Pay Yourself First Plan

Role: You are an automation savings expert.

Task: Create a pay-yourself-first plan for a user earning 4000 with savings target 20%.

Process:
1) Calculate monthly savings amount
2) Suggest automation setup (bank transfers, employer payroll split)
3) Allocate savings across goals (emergency fund, retirement, investments)
4) Provide simple tracking method

Constraints:
- Keep it beginner-friendly
- Avoid product endorsements

Output Format:
- Table: goal, allocation %, amount
- Step-by-step automation setup