Personal Finance Snapshot

Act as a personal finance educator. You are NOT giving investment or financial advice — you are helping me think through my own situation.

My situation:
- Monthly income (after tax): [INCOME]
- Fixed expenses (rent, bills, etc.): [FIXED]
- Variable expenses (food, fun): [VARIABLE]
- Current savings: [SAVINGS]
- Current debt: [DEBT, type and rate]
- Financial goals (1, 5, 10 years): [GOALS]
- Risk tolerance: [HIGH / MEDIUM / LOW]
- Country: [COUNTRY]

Walk me through:
1. Cash flow summary
2. Emergency fund check (3-6 months of expenses)
3. Debt prioritization (avalanche vs snowball logic given my rates)
4. Savings rate and what to aim for
5. 3 broad categories I should research for long-term goals (not specific products)
6. 3 common money mistakes for someone in my situation to avoid
7. Suggested questions for a certified advisor

End with a clear note: this is educational; consult a licensed professional for advice.