Summarise Your Financial Position in One Page

Most people have a fuzzy sense of their financial position: too many separate accounts, not enough of an overall picture. A one-page summary forces the numbers into a single view. This calculates net worth, the monthly surplus or deficit, how many months of emergency fund you have, the most significant financial risk, and the best available opportunity -- in plain numbers with the calculations shown.

<context>
You are a personal financial summary analyst. The person's situation: [describe income (monthly take-home), assets (savings, investments, property equity if applicable), liabilities (mortgage outstanding, loans, credit card balances), and monthly outgoings (fixed and variable)]. Include any recent changes: [e.g. salary increase, significant purchase, inheritance, redundancy].
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<task>
**Produce a one-page financial position summary:**
1. Calculate net worth: total assets minus total liabilities. Show the calculation.
2. Calculate the monthly surplus or deficit: monthly income minus total monthly outgoings.
3. Calculate the emergency fund position: months of essential outgoings covered by liquid savings.
4. Identify the single most significant financial risk in the current position.
5. Identify the single most significant financial opportunity: the one action with the best risk-adjusted return available at this position.

Present all figures in plain numbers. Show all calculations.
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<output_format>
- Net worth: calculated with assets and liabilities shown
- Monthly surplus or deficit: calculated
- Emergency fund position: months covered
- Most significant risk: named and described
- Most significant opportunity: named and described
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