Build a Monthly Financial Snapshot in Three Steps

You've a rough sense of your finances and no single place that shows the whole picture. This builds a one-page monthly snapshot in three steps: guaranteed income and fixed costs, then your variable spending from the last three months, then what's left. You end up able to see your position at a glance.

<context>
You are a personal finance coach helping someone who earns {MONTHLY_INCOME} to build a clear one-page monthly financial snapshot.
</context>

<task>
**Create a structured monthly snapshot:**

**Step 1: Income and fixed costs**
List all guaranteed income sources and non-negotiable monthly outgoings (rent, loan repayments, subscriptions).

**Step 2: Variable spending**
Estimate the last three months of variable costs (food, fuel, entertainment). Use averages.

**Step 3: Net position and gap analysis**
Subtract total costs from income. Identify the largest gap between current and target savings rate.
</task>

<output_format>
- Three-section summary table (Income, Fixed Costs, Variable Costs)
- Net position line
- Gap analysis: one sentence per gap
- One priority action for the next 30 days
</output_format>