Write a detailed savings plan in a {{tone}} tone for {{target_audience}} with a {{risk_tolerance}} risk tolerance, using {{savings_vehicle}} as the primary vehicle. Follow the SMART goal framework with specific dollar amounts and dates. Present as numbered steps with action title, instructions, expected outcome, and pitfalls. Cover: goal analysis (inflation-adjusted target, monthly savings at 4%/7%/10% returns, gap analysis), savings strategy (rate, allocation, automation, surplus deployment), quarterly milestone roadmap with dollar amounts, top 10 expense cuts ranked by impact, account structure (contribution order, asset allocation, rebalancing), and contingency planning (20% income drop, emergency fund, pause vs. reduce). Max 1200 words. Use plain language. Skip any section if information is unknown. Paste any relevant background information after these instructions before running.