I am a [AGE]-year-old [OCCUPATION] with an annual income of [ANNUAL_INCOME]. My monthly expenses are approximately [MONTHLY_EXPENSES]. My financial goals include [FINANCIAL_GOALS].

- Can you help me create a budget and track my spending?
- How much should I be saving for retirement?
- What are the best investment options for my situation?
- Should I consider life insurance or disability insurance?
- How can I reduce my debt and improve my credit score? 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>