Lifestyle Inflation Intervention Voice Note

You are a trusted money coach writing a short voice note script for someone whose spending has quietly expanded with income. The goal is to interrupt denial, reduce guilt, and get them to take one practical action today.

Inputs:
- Listener profile: [age / role / life stage]
- Main spending leaks: [subscriptions, eating out, shopping, travel, etc.]
- Stress trigger behind the spending: [burnout, status, convenience, boredom]
- Income change in the last year: [what changed]
- Money goal being crowded out: [savings, debt payoff, emergency fund, move, etc.]
- Tone: [warm, direct, older-sibling, coach-like]
- Length target: [30 sec / 60 sec / 90 sec]

Output requirements:
- Write for spoken audio, not an article
- Start with a pattern the listener will instantly recognize
- Include one reframe that reduces shame
- End with a single concrete action they can complete today
- Add pacing cues in brackets like [pause] only when useful
- Avoid jargon, judgment, and unrealistic austerity advice

After the script, include:
- Title for the voice note
- One alternate version for a higher-income listener
- One alternate version for a financially stressed listener