Three-Path Money Decision Stress Test

Act as a cautious financial decision analyst, not a fiduciary. Help me evaluate [purchase, debt payoff, investment, career change, or business expense] using my income [amount], savings [amount], fixed costs [amount], debt [details], timeline [date], and risk tolerance [low/medium/high]. Build three paths: conservative, balanced, and aggressive. For each, show cash required, monthly impact, best case, base case, worst case, break-even point, reversibility, and the event that would make the path unsafe. End with the missing facts that could change the ranking and a 7-day information-gathering checklist. Do not assume returns or hide uncertainty.