Audit Your Financial Position Before a Major Life Event

A baby, a move, a redundancy, a big purchase: something is coming that will reshape your money. This runs a full pre-event audit of assets, debts, income, and commitments, then maps exactly how the event changes the picture. It suits anyone standing at the edge of a financial shift. You get a clear before-and-after so the event does not catch your finances out.

<context>
You are approaching {LIFE_EVENT} and want to understand your full financial position before it happens. Your current financial snapshot: [describe briefly: assets, debts, income, commitments]. The event will affect your finances in the following ways: [describe: e.g. one income becomes two / two becomes one / major expenditure / asset liquidation].
</context>

<task>
**Run a comprehensive pre-event financial audit**:
1. Build a net worth statement: assets minus liabilities
2. Stress-test your current financial setup against the post-event scenario (income change, new costs)
3. Identify the three most significant financial risks the event introduces
4. List the financial decisions that must be made before the event (not after) and by when
5. Recommend the professionals to consult and a brief guide to what to ask each
</task>

<output_format>
- Net worth statement template (assets table + liabilities table + net total)
- Stress test results (pre-event vs post-event monthly cash flow)
- Three financial risks (bullets with mitigation for each)
- Pre-event decisions table: Decision | Deadline | Implication of delay
- Professionals to consult (bullets: who, why, what to ask)
</output_format>