{
  "label": "Four complete months for two different working days",
  "units": "Illustrative monthly USD after tax. Chosen household inputs, not city prices, job offers or assumed equal contributions.",
  "categories": [
    "Housing and basic utilities",
    "Food and household supplies",
    "Complete household transport",
    "Health and insurance",
    "Learning, care and personal interests",
    "Debt and other commitments",
    "Richmond contact and return visits"
  ],
  "cases": [
    {
      "label": "Current shared Richmond home",
      "income": 6800,
      "expenses": [
        1950,
        800,
        650,
        750,
        250,
        400,
        300
      ],
      "remaining": 1700
    },
    {
      "label": "Nearby home; quieter layout and longer travel",
      "income": 6800,
      "expenses": [
        2100,
        800,
        800,
        750,
        250,
        400,
        300
      ],
      "remaining": 1400
    },
    {
      "label": "Regional base; confirmed new roles",
      "income": 7100,
      "expenses": [
        1850,
        800,
        500,
        800,
        300,
        400,
        350
      ],
      "remaining": 2100
    },
    {
      "label": "Farther base; higher earnings and costs",
      "income": 7600,
      "expenses": [
        2450,
        850,
        900,
        850,
        300,
        400,
        350
      ],
      "remaining": 1500
    }
  ],
  "baseline_remaining": 1700,
  "improved_remaining": 2100,
  "unrecoverable_transition_allowance": 12400,
  "recovery_months": 31,
  "lesson": "The selected regional month leaves $2,100 rather than $1,700 today. The nearby version leaves $1,400 and the farther version $1,500 despite higher income. Keep both people’s gains and agreed contributions beside the remainder.",
  "input_limit": "Replace the selected amounts with actual leases, dependable net earnings, coverage, transport and commitments. Two separate homes need two complete individual budgets; dividing the shared total does not price them.",
  "transition_lesson": "A continuing $400 monthly improvement takes 31 months to recover $12,400 of unrecoverable transition spending. Refundable deposits, tied-up money and usable reserve have separate roles. A funded personal gain can justify a move without a recurring saving.",
  "household_models": [
    {
      "key": "solo",
      "label": "One adult: a particular role and an independent afternoon",
      "current_income": 3100,
      "compared_income": 3400,
      "current_expenses": [
        1200,
        400,
        350,
        380,
        140,
        220,
        160
      ],
      "compared_expenses": [
        1250,
        400,
        300,
        420,
        180,
        220,
        180
      ],
      "unrecoverable_transition": 6000,
      "note": "This chosen solo month leaves $450 instead of $250. A continuing $200 improvement would recover $6,000 in 30 months. The actual role, useful home and independent afternoon give the move its purpose."
    },
    {
      "key": "shared",
      "label": "Two friends: quiet rest and agreed contributions",
      "current_income": 6800,
      "compared_income": 7100,
      "current_expenses": [
        1950,
        800,
        650,
        750,
        250,
        400,
        300
      ],
      "compared_expenses": [
        1850,
        800,
        500,
        800,
        300,
        400,
        350
      ],
      "unrecoverable_transition": 12400,
      "note": "The main friends’ selected regional month leaves $2,100 instead of $1,700. A continuing $400 improvement recovers $12,400 in 31 months. Contributions, separate quiet space and two complete working days need actual agreement; separate homes require separate budgets."
    },
    {
      "key": "study",
      "label": "A funded learning interval: make the intended change possible",
      "current_income": 6800,
      "compared_income": 4800,
      "current_expenses": [
        1950,
        800,
        650,
        750,
        250,
        400,
        300
      ],
      "compared_expenses": [
        1800,
        700,
        450,
        750,
        900,
        400,
        300
      ],
      "unrecoverable_transition": 4500,
      "note": "This selected learning month leaves a $500 shortfall instead of $1,700 left. It needs confirmed funding, suitable admission and a reserve before proceeding. There is no savings-based recovery of $4,500; a promised future salary does not fund the present interval."
    },
    {
      "key": "parents",
      "label": "Parents: the school afternoon and two real work journeys",
      "current_income": 8500,
      "compared_income": 9000,
      "current_expenses": [
        2350,
        1000,
        800,
        900,
        650,
        450,
        350
      ],
      "compared_expenses": [
        2400,
        1050,
        700,
        950,
        800,
        450,
        400
      ],
      "unrecoverable_transition": 9000,
      "note": "This chosen family month leaves $2,250 instead of $2,000. A continuing $250 improvement recovers $9,000 in 36 months. The correct address-based school process, after-school arrangements and both actual roles need their own confirmation."
    },
    {
      "key": "retirement",
      "label": "Retirement: a manageable home and regular local interest",
      "current_income": 3800,
      "compared_income": 3800,
      "current_expenses": [
        1250,
        450,
        300,
        700,
        200,
        220,
        180
      ],
      "compared_expenses": [
        1300,
        450,
        250,
        750,
        200,
        220,
        200
      ],
      "unrecoverable_transition": 4200,
      "note": "This selected retirement month leaves $430 instead of $500. There is no savings-based recovery of $4,200. A more useful entrance, dependable coverage and a local outing can still be a funded purpose when the full month and reserve support them."
    },
    {
      "key": "overseas",
      "label": "An overseas chapter: individual routes and a complete local life",
      "current_income": 6800,
      "compared_income": 6200,
      "current_expenses": [
        1950,
        800,
        650,
        750,
        250,
        400,
        300
      ],
      "compared_expenses": [
        1850,
        750,
        650,
        1000,
        350,
        400,
        400
      ],
      "unrecoverable_transition": 18500,
      "note": "This chosen USD planning month leaves $800 instead of $1,700. It is not a local-price or currency-conversion quote, and there is no savings-based recovery of $18,500. Each adult needs a verified individual basis, permitted income or funding, coverage and a usable return reserve."
    }
  ]
}