{
  "label": "Four complete months around the same household needs",
  "units": "Illustrative monthly USD after tax. Chosen household inputs, not city prices, offers or pension advice.",
  "categories": [
    "Housing and basic utilities",
    "Food and household supplies",
    "Full transport costs",
    "Health and insurance",
    "Learning, care and activities",
    "Debt and other commitments",
    "Pittsburgh contact and return visits"
  ],
  "cases": [
    {
      "label": "Current Pittsburgh home",
      "income": 6400,
      "expenses": [
        1750,
        750,
        700,
        800,
        250,
        350,
        300
      ],
      "remaining": 1500
    },
    {
      "label": "Nearby home; easier layout, costlier travel",
      "income": 6400,
      "expenses": [
        1850,
        750,
        850,
        800,
        250,
        350,
        350
      ],
      "remaining": 1200
    },
    {
      "label": "Regional base; confirmed new role",
      "income": 6600,
      "expenses": [
        1700,
        750,
        550,
        850,
        250,
        350,
        300
      ],
      "remaining": 1850
    },
    {
      "label": "Farther base; higher income and costs",
      "income": 6900,
      "expenses": [
        2050,
        800,
        900,
        1000,
        300,
        350,
        450
      ],
      "remaining": 1050
    }
  ],
  "unrecoverable_transition_allowance": 11900,
  "lesson": "The chosen regional month leaves $1,850, compared with $1,500 today. The nearby version leaves $1,200 and the farther version $1,050 despite higher income. Keep each person’s gain and agreed contribution beside the remainder.",
  "input_limit": "Replace the chosen amounts with the actual lease, dependable net earnings and pension, complete transport, health and insurance, interests and commitments. For separate homes, build two complete individual months; dividing a shared total does not price two homes. Historical Census rent supplies none of these property payments.",
  "transition_lesson": "A dependable $350 monthly improvement would take 34 months to recover $11,900 of unrecoverable transition spending. Refundable deposits, temporarily tied-up money and an available reserve have different roles. A funded personal gain can be worth choosing without a monthly saving.",
  "baseline_remaining": 1500,
  "improved_remaining": 1850,
  "recovery_months": 34,
  "household_models": [
    {
      "key": "shared",
      "label": "Daughter and father: a new regional day",
      "current_income": 6400,
      "compared_income": 6600,
      "current_expenses": [
        1750,
        750,
        700,
        800,
        250,
        350,
        300
      ],
      "compared_expenses": [
        1700,
        750,
        550,
        850,
        250,
        350,
        300
      ],
      "unrecoverable_transition": 11900,
      "note": "The main example leaves $1,850 instead of $1,500, with a more manageable home and an independent outing alongside actual new work. The chosen $350 improvement takes 34 months to recover $11,900; each adult still needs an agreed contribution, privacy and a useful day."
    },
    {
      "key": "solo",
      "label": "One adult: work and an evening interest",
      "current_income": 4100,
      "compared_income": 4300,
      "current_expenses": [
        1400,
        450,
        400,
        450,
        150,
        300,
        150
      ],
      "compared_expenses": [
        1500,
        470,
        300,
        500,
        180,
        300,
        200
      ],
      "unrecoverable_transition": 2400,
      "note": "The chosen individual month leaves $850 instead of $800. An actual role and a repeatable evening interest are the intended gains. The $50 improvement takes 48 months to recover $2,400 of spending; the wage increase alone does not describe the change."
    },
    {
      "key": "study",
      "label": "Adult learning: a funded course interval",
      "current_income": 4400,
      "compared_income": 3800,
      "current_expenses": [
        1500,
        550,
        400,
        500,
        200,
        350,
        200
      ],
      "compared_expenses": [
        1350,
        500,
        250,
        500,
        550,
        350,
        200
      ],
      "unrecoverable_transition": 4800,
      "note": "This selected learning interval leaves $100 instead of $700 after the course and complete living costs. Actual admission, dependable funding and the value of the learning support the purpose; the lower remainder provides no savings-based recovery of the $4,800 transition allowance."
    },
    {
      "key": "parents",
      "label": "Parents: work and the actual school day",
      "current_income": 8900,
      "compared_income": 9200,
      "current_expenses": [
        2400,
        1300,
        1000,
        1100,
        700,
        650,
        350
      ],
      "compared_expenses": [
        2500,
        1300,
        650,
        1200,
        900,
        650,
        400
      ],
      "unrecoverable_transition": 10000,
      "note": "The chosen family month leaves $1,600 instead of $1,400. A workable school assignment, travel and after-school arrangement are part of the gain alongside the jobs. A dependable $200 improvement takes 50 months to recover $10,000 of spending; no school or care place is assumed available."
    },
    {
      "key": "retirement",
      "label": "Retirement: a manageable home and local interest",
      "current_income": 4800,
      "compared_income": 4800,
      "current_expenses": [
        1550,
        600,
        500,
        850,
        180,
        220,
        200
      ],
      "compared_expenses": [
        1450,
        600,
        300,
        900,
        220,
        220,
        260
      ],
      "unrecoverable_transition": 7200,
      "note": "The chosen retirement month leaves $850 instead of $700, with a home and independent local interest that fit the person. Income and coverage need their actual terms. A continuing $150 improvement takes 48 months to recover $7,200 of spending."
    },
    {
      "key": "overseas",
      "label": "Overseas chapter: each adult has a separate basis",
      "current_income": 6400,
      "compared_income": 6600,
      "current_expenses": [
        1750,
        750,
        700,
        800,
        250,
        350,
        300
      ],
      "compared_expenses": [
        2000,
        800,
        600,
        1150,
        350,
        350,
        550
      ],
      "unrecoverable_transition": 16800,
      "note": "The selected chapter leaves $800 instead of $1,500. These are illustrative USD planning equivalents, not foreign prices or a conversion quote. Each adult needs an applicable lawful basis, permitted income or documented funding, coverage and return reserve; there is no savings-based recovery of the $16,800 transition allowance."
    }
  ]
}