Build a One-Page Personal Finance Health Check

Most personal finance advice tells you what to do but not where you stand right now. A health check gives you a snapshot: five areas, a red-amber-green rating on each, and one concrete priority. This produces that snapshot from your actual numbers so you know what to work on before reading any further.

Create a personal finance health check for my current situation. I will provide my numbers below.

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{MY_FINANCIAL_FIGURES}
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Assess my financial health across five areas. For each, give a RAG status (red, amber, green) and one sentence of explanation:

1. Emergency fund: do I have [three to six] months of essential expenses in an accessible account
2. High-interest debt: am I carrying any balance above [10%] APR
3. Pension contribution: am I saving at least [10%] of gross income toward retirement
4. Budget balance: is my monthly spending consistently below my income
5. Protection: do I have relevant insurance for my situation (contents, life if dependants, income protection if self-employed)

End with one priority action: the single thing I should address first based on the assessment.

Keep the response under 300 words.