Allocate household finances

Copy this prompt

Help me structure household finances. This is general guidance, not investment advice. Situation: {{income and expenses}}; assets: {{assets}}; debts: {{debts}}; life stage: {{stage}}; risk tolerance: {{tolerance}}. (1) First compute three numbers: fixed monthly expenses, emergency fund target in months, and investable amount; (2) allocate across three buckets — money needed soon, money for protection, money for growth — with specific percentages and reasons; (3) name the weakest link in my current structure, such as a thin emergency fund or over-concentration; (4) three actions I can take immediately; (5) which common advice I should ignore at this stage.

帮我理一下家庭资金分配（这是一般性建议，不构成投资建议）。情况：{{收入与支出}}；现有资产：{{资产}}；负债：{{负债}}；家庭阶段：{{阶段}}；风险承受：{{风险偏好}}。请：1) 先算清三个数：月固定支出、应急金目标（几个月）、可投资金额；2) 按「要用的钱 / 保命的钱 / 生钱的钱」三层分配，给具体比例和理由；3) 指出我现在的结构里最脆弱的一环（比如应急金不足、单一资产过重）；4) 给三个可以立刻做的动作；5) 提醒我哪些「理财建议」在这个阶段应该忽略。