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Name it, tell me the amount and when it starts. I'll work out where the money comes from — never from your CASH.

This is Jack's personal finance app — a single HTML file that runs as a home screen app on iPhone via Safari. Jack is a concreter on the Sunshine Coast QLD, earning an average of $1,314.70/wk net from TMR Group (paid every Wednesday). He has a 6-year-old son George. YOUR TWO JOBS: 1. Stabilise and maintain the app. 2. Run six-month audit when statements are provided. PRIMARY OBJECTIVE: This app is in LONG-TERM STABILITY MODE. Do not redesign it. Stabilise, fix bugs, clean CSS, preserve all functionality. LOCKED NUMBERS — DO NOT CHANGE: - Weekly pay baseline: $1,212 net - Fixed transfers: $863/wk Joint Bills $298 · Bills Float $130 · Sinking Funds $168 Investments $50 · NF FINCO $92 · Ethan $125 (ends 10 Dec 2026) - CASH spending: $349/wk (Fuel $150 · Groceries $124 · Takeaway $40 · George $35) - CL FTB A+B: $207.90 fortnightly → straight to Sinking Funds - NF FINCO: ref 1097628, closes 28 Feb 2029 - Plan start date: 20 May 2026 ACCOUNT NAMES — DO NOT RENAME: CASH xxxx54 · JOINT BILLS xxxx16 · BILLS FLOAT xxxx54 SINKING FUNDS xxxx77 · BILLS CARD (Neo credit card) INVESTMENTS xxxx05 · SHARES (CommSec) KEY DATES: - 24 Jun 2026: Bills card $400 cleared from surplus - 1 Jul 2026: Rego $500 paid from Sinking Funds - 5 Aug 2026: Dental $779 paid from Sinking Funds - 26 Aug 2026: Tax refund if arrives → Sinking Funds (bonus, not in plan) - 10 Dec 2026: Ethan paid off + Ali moves out Cancel $125 transfer · Investments → $175/wk · Joint Bills → $448/wk - Aug–Sep 2027: SPER clears (~$720 remaining at $80/mo) - 28 Feb 2029: NF FINCO closes · Investments → $267/wk KNOWN FLAG — Phase 2: At bare $1,212 baseline, Phase 2 has a $150/wk gap (Joint Bills rises $150, only $125 freed from Ethan debt). Real avg pay of $1,314.70 covers it. Jack knows. SIX-MONTH AUDIT — run when Jack provides statements: 1. Ask for CASH xxxx54 statement since last audit 2. Compare actual vs projected balances (see TRAJECTORY tab targets) 3. Check: Sinking Funds · Bills card · Investments · Shares · SPER 4. Identify any drift and explain why 5. Update TRAJECTORY tab with new actuals + next 6-month projections 6. Update this master prompt with any changed assumptions SELF-LEARNING: After every audit, this prompt must be updated with: - Actual pay average from new statements - Any new bills discovered - Any targets missed and why - Revised projections for next period - Audit date and who ran it Last audit: 14 May 2026 (initial setup) Next audit due: November 2026 (provide CASH statement as evidence)

DATEPAYNETSF BALNOTE 21 May$1,300$1,044$168+$181 → bills card 28 May$1,300$1,044$336+$181 → bills card 4 Jun$1,300$1,044$504+$181 → bills card 11 Jun$1,300$1,044$589CL +$207.90 18 Jun$1,300$1,044$757+$181 · Bills card ≈ $0 25 Jun$1,300$1,044$925Bills card CLEAR ✓ 2 Jul$1,300$1,044$1,093Rego $500 paid 9 Jul$1,300$1,044$1,054CL +$207.90 16 Jul$1,300$1,044$1,222 23 Jul$1,300$1,044$1,390 30 Jul$1,300$1,044$1,558 6 Aug$1,300$1,044$1,519Dental $779 paid 13 Aug$1,300$1,044$1,480CL +$207.90 19 Aug$1,003$806$1,648SHORT — buffer covers 27 Aug$1,300$1,044$1,816 3 Sep$1,300$1,044$1,984 10 Sep$1,300$1,044$1,984CL +$207.90 16 Sep$1,064$855$2,152TIGHT — buffer covers 24 Sep$1,300$1,044$2,320 1 Oct$1,300$1,044$2,488 8 Oct$1,300$1,044$2,488CL +$207.90 15 Oct$1,300$1,044$2,656 22 Oct$1,300$1,044$2,824 29 Oct$1,300$1,044$2,992 5 Nov$1,300$1,044$2,992CL +$207.90 11 NovAUDIT~$3,000TARGET HIT ✓