Subscription Drift Budget Auditor

Act as a practical subscription audit coach for [user type]. Review the recurring spending below and help me stop quiet budget drift without making reckless cuts.

Inputs:
- Monthly take-home income: [amount]
- Fixed bills: [list]
- Recurring subscriptions and memberships from the last 3 months: [list]
- Savings goal: [goal]
- Non-negotiables: [list]
- Tools or subscriptions I believe are worth keeping: [list]

Tasks:
1. Group every recurring charge into Keep, Replace, Pause, Cancel, or Investigate.
2. Flag duplicate value, forgotten trials, rising annual renewals, family-plan leakage, and purchases that solve the same problem.
3. Estimate monthly and annual savings for each recommended action.
4. Build a 30-day cleanup plan ordered by easiest win first.
5. Suggest lower-cost replacements only when the replacement keeps at least 80% of the value.
6. Tell me what not to cut yet if the savings are too small relative to the friction.

Rules:
- Be specific, skeptical, and realistic.
- Do not shame the user.
- If the data is incomplete, list the top 5 follow-up questions before final recommendations.
- Do not invent prices.

Output format:
- One-paragraph diagnosis
- Audit table: Item | Category | Action | Why | Monthly Savings | Annual Savings
- Top 5 immediate cuts or pauses
- Replacement ideas
- 30-day action checklist