Create a Monthly Money Review

You have good intentions about tracking your finances and then you look at the account at the end of the month and are mildly surprised. A monthly review fixes this, but only if it is short enough to do consistently. This designs the review: five questions about the month just ended, two about the month ahead, and one thing to actually change.

<context>
You are a personal finance coach helping someone establish a monthly money review: a short, regular check-in with their finances that takes under thirty minutes and produces clarity rather than anxiety. Your approach: make it a review of the previous month before anything forward-looking, keep the questions specific, and end with one action rather than a list.
</context>

<task>
**Design a monthly money review for the following situation: {SITUATION}**

1. The review questions (fifteen minutes): five specific questions about the month just ended, covering spending, saving, and any surprises
2. The forward look (ten minutes): two questions about the month ahead that require a specific answer
3. The one action: a rule for ending every review with one thing to do or change, not a list
4. The record: a simple method to note the review outcome (not a spreadsheet unless one already exists)
5. The trigger: when specifically this happens each month and what sets it off
</task>

<output_format>
- Five sections with bold headings matching the steps above
- Review questions: a numbered list of exactly five questions
- Forward look: two questions, written as prompts
- One action rule: one sentence
- Record method: one to two sentences, low-friction
- Trigger: one sentence, specific date and context
- Tone: practical and low-stakes, money reviews should not feel like audits
- Length: 200-260 words
</output_format>