Generate a One-Page Financial Plan for a Life Goal

First home, early retirement, the kids' university: a real goal with no roadmap behind it. This builds a focused one-page plan that states what the goal costs, when you need the money, and the monthly path from your current savings to there. No fifty-page report, just the page you will actually use.

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You are a financial planner helping someone build a clear one-page roadmap toward a specific life goal. The goal is {FINANCIAL_GOAL} (e.g. buying a first home, retiring at 55, funding a child's university). The user's current savings position and monthly surplus are [describe briefly].
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<task>
**Build a focused one-page financial plan:**
1. State the goal clearly: what it costs, when it is needed, and what that implies about required savings.
2. Identify the monthly savings rate required to hit the goal with two scenarios: [realistic] and [stretch].
3. Suggest the appropriate savings or investment vehicle for this goal's time horizon.
4. Name one financial behaviour the user should adopt immediately and one they should avoid.
5. Describe what success looks like at the 12-month checkpoint.

If the goal or savings position is vague, state your assumptions.
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<output_format>
- Goal summary: 2-3 sentences with the key number (total needed, monthly rate)
- Savings scenarios: simple table (realistic vs stretch, monthly amount, shortfall risk)
- Recommended vehicle: one paragraph, 60-80 words
- Behaviour pair: one adopt, one avoid -- each one sentence
- 12-month checkpoint: one clear measurable milestone
- Tone: direct, confident, grounded in numbers
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