{
  "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": 6200,
      "expenses": [
        1900,
        950,
        2350
      ],
      "remaining": 1000
    },
    {
      "label": "Lower home payment, more travel",
      "income": 6200,
      "expenses": [
        1550,
        1250,
        2350
      ],
      "remaining": 1050
    },
    {
      "label": "Connected home, less transport",
      "income": 6200,
      "expenses": [
        2050,
        500,
        2350
      ],
      "remaining": 1300
    },
    {
      "label": "Lower income, more travel",
      "income": 5000,
      "expenses": [
        1550,
        1250,
        2350
      ],
      "remaining": -150
    }
  ],
  "lesson": "The lower home payment leaves only $50 more after extra transport. The connected-home case leaves $300 more despite a higher housing payment. With the income drop, the lower-home case has a $150 monthly shortfall.",
  "input_limit": "These are chosen arithmetic inputs. Replace them with attainable housing, reliable take-home pay and your complete recurring essentials. No vehicle saving applies until that cost actually disappears.",
  "unrecoverable_transition_allowance": 4200,
  "transition_lesson": "At $300 more left each month, a chosen $4,200 unrecoverable transition takes fourteen full months to recover. At $50, it takes eighty-four months. Deposits and your reserve remain separate cash needs."
}