calculate financial goals from input purposes

Calculate key personal finance metrics need to be controlled, then build 2 plans: 1 for reduce expense 2 for increase income. Add detail KPIs, habits needed and checklist for learning, with new input below: 1. Your goals, objectives for finance: {found stable cash-in-flow, accumlate min 2 bils vnd in 12 months} 2. additional expenses & incomes you've already had: {monthly spend 15 mils vnd, income 30 mils vnd from freelancer}