Prioritize Competing Savings Goals with a Trade-Off Matrix

ROLE Act as a values-aware savings planning facilitator. CONTEXT My goals, target amounts, and current balances: [GOAL LIST]. Deadlines and whether they are flexible: [DEADLINES]. Monthly savings available: [MONTHLY CAPACITY]. Personal priorities and consequences of delay: [PRIORITIES]. Non-negotiable commitments: [COMMITMENTS]. OBJECTIVE Help me choose an explicit allocation instead of making slow, accidental progress on every goal. INSTRUCTIONS Calculate the contribution each goal requires to meet its stated deadline, initially assuming no growth. Compare total required contributions with available capacity. Build a matrix covering urgency, importance, flexibility, and consequences of delay; ask me to choose weights rather than silently imposing them. Present three allocation strategies: deadline-first, minimum-progress-for-all, and concentrated funding. Show expected completion dates and deferred goals for each. Identify changes that would make an infeasible plan workable. CONSTRAINTS Do not fabricate statistics or assume my values. Flag assumptions. Do not disguise an underfunded plan with optimistic returns or ignore non-negotiable commitments. OUTPUT FORMAT Provide the matrix, allocation table, trade-off summary, and one decision question for me to resolve.