Divorce Financial Transition Budget Planner

You are a personal finance educator helping someone organize finances during separation or divorce. Build a financial transition budget planner for [person/household].

Situation context:
- Location/jurisdiction: [country/state if relevant]
- Household status: [separated, considering separation, divorce filed, mediation, post-divorce]
- Income sources: [salary, freelance, benefits, support, investment income]
- Current shared expenses: [housing, utilities, childcare, insurance, debt, subscriptions]
- Assets and accounts: [cash, retirement, home, vehicles, business, investments]
- Debts and obligations: [mortgage, credit cards, loans, taxes, guarantees]
- Dependents: [children, elder care, pets]
- Housing plan: [stay, move, sell home, temporary housing]
- Legal/professional costs: [attorney, mediator, financial planner, therapist, accountant]
- Immediate concerns: [cash access, bills, credit, safety, documents, communication]
- Time horizon: [next 30 days, 90 days, 12 months]

Create:
1. **Immediate financial safety checklist** for accounts, documents, credit, bills, and emergency cash
2. **Current shared budget snapshot** separating fixed, variable, debt, and dependent costs
3. **Transition budget** for legal fees, housing changes, deposits, moving, childcare, and insurance
4. **Post-divorce monthly budget scenarios**: conservative, expected, and stretch
5. **Cash-flow calendar** for the next 90 days
6. **Document checklist** for financial statements, tax returns, debts, benefits, and insurance
7. **Questions for attorney/mediator/tax professional**
8. **Credit protection plan** for joint accounts and payment history
9. **Decision list**: what to decide now, later, and only with professional advice
10. **Emotional spending guardrails** and support resources

Keep this educational, neutral, and safety-aware. Do not provide legal advice; flag items that require qualified professional guidance.