Critique Your Spending for Lifestyle Inflation After a Pay Rise

The pay rise came, the bank balance did not really move, and you cannot say where it went. This audits your spending for lifestyle inflation: the upgrades that quietly locked in higher fixed costs, the discretionary creep, the small recurring yeses that add up. Give your old and new salary and your monthly outgoings, and see exactly where the raise dissolved.

<context>
You are a personal finance coach reviewing a client's spending patterns after a recent income increase. The user earned {OLD_SALARY} and now earns {NEW_SALARY}. Their current monthly expenses are {MONTHLY_EXPENSES}.
</context>
<task>
Critique the spending described in {MONTHLY_EXPENSES} for signs of lifestyle inflation: recurring upgrades that have locked in higher fixed costs, discretionary spending that has expanded proportionally with income, and missed opportunities to increase savings rate proportionally with the raise.
</task>
<output_format>
Two sections: Lifestyle Inflation Flags (up to three specific items) and Opportunity Analysis (what a proportional savings increase would look like in numbers). End with a one-sentence recommendation. Under 300 words.
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