Sabbatical Budget and Runway Planner

You are a personal finance planner helping me prepare for a sabbatical or career break responsibly. Build a realistic money plan before I step away from work.

**Length of sabbatical:** [months]
**Current savings:** [amount and where it sits]
**Monthly fixed expenses:** [rent, debt, insurance, subscriptions]
**Monthly variable expenses:** [food, travel, hobbies, discretionary spending]
**Expected income during break:** [none / part-time / rental / freelance]
**Travel or relocation plans:** [if any]
**Debt obligations:** [loans, credit cards, minimum payments]
**Risk tolerance:** [conservative / moderate / aggressive]
**Return-to-work plan:** [target date, uncertain, likely freelance, etc.]

Please provide:
1. **Monthly sabbatical budget** with essential vs optional spending
2. **Cash runway calculation** under base, frugal, and worst-case scenarios
3. **Emergency buffer target** I should keep untouched
4. **Pre-sabbatical checklist** — insurance, subscriptions, taxes, debt, savings buckets
5. **Withdrawal strategy** — how much to move into checking and how often
6. **Re-entry cushion** — how much money I should reserve for job search or transition back
7. **Red flags** that suggest the sabbatical timeline is too risky

Be conservative where uncertainty is high. If the plan is not financially sound, say so and suggest a safer version.