{
  "label": "Four ways the same household month can change",
  "units": "Hypothetical monthly US dollars · chosen inputs, not destination quotes",
  "categories": [
    "Housing and applicable utilities",
    "Transport, vehicles and paid journeys",
    "Other recurring household essentials"
  ],
  "cases": [
    {
      "label": "Current arrangement",
      "income": 5400,
      "expenses": [
        2100,
        500,
        2150
      ],
      "remaining": 650
    },
    {
      "label": "Lower home payment, more travel",
      "income": 5400,
      "expenses": [
        1650,
        1050,
        2150
      ],
      "remaining": 550
    },
    {
      "label": "Connected home, less transport",
      "income": 5400,
      "expenses": [
        2200,
        200,
        2150
      ],
      "remaining": 850
    },
    {
      "label": "Lower income, more travel",
      "income": 4400,
      "expenses": [
        1650,
        1050,
        2150
      ],
      "remaining": -450
    }
  ],
  "lesson": "The lower home payment leaves $100 less after additional transport. The connected home leaves $200 more despite a higher housing payment. With the income drop, the lower-home arrangement has a $450 monthly shortfall.",
  "input_limit": "Chosen arithmetic inputs. Replace every category with attainable housing, reliable take-home pay and the full household essentials. A vehicle saving applies only when the cost actually disappears.",
  "unrecoverable_transition_allowance": 4000,
  "transition_lesson": "A chosen $4,000 unrecoverable transition takes twenty full months to recover at $200 more left each month. The lower-home case has no financial payback while it leaves $100 less. Refundable deposits and your emergency reserve remain separate cash needs."
}