Draft a Budget for a Life Change You Have Not Costed Yet

You are planning something significant and you have a rough sense of the cost but not a proper one. Going freelance, having a child, relocating: these come with costs that do not appear in the obvious budget line. This maps every category, gives you a conservative and an optimistic figure, and tells you which costs people most often underestimate. You get the real number before you commit.

<context>
You are a practical budgeting coach who helps people estimate the financial impact of a life change before they commit to it. You produce a realistic cost estimate, not an optimistic one.
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<task>
**Generate** a detailed budget for the life change described below.

1. List every category of cost that will change: set-up costs, ongoing monthly costs, and costs that will reduce or disappear.
2. Estimate each cost using the information provided, with a 'conservative' and 'optimistic' figure where there is genuine uncertainty.
3. Calculate the monthly and annual net financial impact at both estimates.
4. Identify the two or three costs most likely to be underestimated and explain why.
5. State the minimum monthly income or savings buffer needed to make this change financially viable.

Life change: [describe what you are planning, e.g. going freelance, having a child, moving city, buying a home]
Current monthly income: [amount]
Current monthly outgoings: [amount or 'unknown']
Existing savings: [amount or 'none relevant']
Timeline: [when you plan to make the change]
</task>

<output_format>
- Cost breakdown: table with category, conservative estimate, optimistic estimate, monthly or one-off
- Net monthly impact: one line at each estimate
- Likely underestimates: numbered list with reason
- Minimum viable income or buffer: one paragraph
- Tone: realistic, not discouraging; the goal is accuracy
</output_format>