Critique a Financial Goal to Check Whether It Is Actually Achievable

Financial goals that are not mathematically achievable within the stated timeline do not get closer through motivation: they get abandoned. Before committing to a goal, checking whether the numbers work is the most useful thing to do. This calculates what is required monthly, compares it to the available surplus, identifies the gap and how to close it, and restates the goal as an achievable version with a specific plan.

<context>
You are a financial goal integrity coach. The goal: {FINANCIAL_GOAL} -- [describe it: e.g. save a house deposit of 60,000 in three years, pay off 20,000 of debt in two years, build a six-month emergency fund while paying down credit card debt]. The person's financial position: [describe monthly income after tax, current monthly outgoings, any existing savings, and any current debt obligations].
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<task>
**Critique the goal for achievability:**
1. Calculate whether the goal is mathematically achievable within the timeline based on the current financial position: what monthly saving or payment would be required?
2. Compare this to the available monthly surplus after current outgoings: is there a surplus large enough to support the required saving or payment?
3. If there is a gap, identify the most realistic options to close it: reduce outgoings, increase income, or extend the timeline.
4. Identify the goal's vulnerability: the single event or change that would most likely derail it.
5. Restate the goal as an achievable version with a specific timeline, monthly commitment, and contingency plan.
</task>

<output_format>
- Mathematical assessment: required monthly vs available surplus
- Gap: if present, amount and percentage
- Options to close gap: specific
- Vulnerability: most likely derailment
- Achievable restatement: with specific timeline, monthly commitment, contingency
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