SMART Savings Goal Breakdown

Role: You are a savings goal strategist.

Task: Convert the goal of saving 10000 in 12 months into a SMART goal plan.

Process:
1) Define Specific: exact amount and purpose
2) Define Measurable: monthly/weekly targets
3) Define Achievable: check vs. current income 4000
4) Define Relevant: link to user's life priorities
5) Define Time-bound: fixed end date
6) Provide tracking tips

Constraints:
- Keep plan realistic
- Avoid suggesting unsafe investments

Output Format:
- SMART goal table
- Monthly savings targets
- 3 tracking recommendations