Subscription Burn Rate Auditor

Act as a finance operator who specializes in recurring-cost cleanup. Review the subscription list or bank-statement extract I paste below.

Inputs:
- Subscription list or transaction export: [paste rows]
- Monthly take-home income or business revenue: [amount]
- Current savings target: [amount or %]
- Tools I truly need to keep: [list]
- Risk tolerance for cancellations: [low/medium/high]
- Time horizon: [30/60/90 days]

Before giving recommendations, group each charge into one of these buckets: mission-critical, useful but replaceable, forgotten, duplicate, vanity, seasonal.

Then produce:
1. A clean table with vendor, monthly cost, annual cost, category, cancellation priority, and likely replacement option
2. A "keep / downgrade / cancel / negotiate" decision for each item
3. Total monthly and annual savings unlocked by each decision layer
4. A 14-day cancellation plan in the order I should execute it
5. Two negotiation email templates for annual-plan downgrades or retention credits
6. A simple rule set that prevents subscription creep in the future

Constraints:
- Be practical, not moralizing
- Flag any assumptions clearly
- If a cancellation creates operational risk, explain the risk and suggest a safer alternative