{
  "fixtureId": "finpath-daryl-fictional-workspace",
  "fixtureVersion": 7,
  "label": "Alex's Lifestyle",
  "classification": "fictional_public_demo",
  "approvedForUnrestrictedPublicAccessOn": "2026-09-11",
  "profile": {
    "name": "Alex",
    "scriptTypeface": "pacifico",
    "country": "United States",
    "theme": "forest_stone",
    "customTheme": {
      "schemaVersion": 1,
      "name": "Alex's Botanical Workshop",
      "palette": {
        "bg": "#FBF7EF",
        "surface": "#FFFDFC",
        "surfaceSoft": "#F4F1EA",
        "text": "#20231F",
        "muted": "#62675F",
        "primary": "#355B45",
        "primary2": "#46604F",
        "soft": "#E7E6DC",
        "border": "#8B8D85",
        "positive": "#286442",
        "warning": "#81520F",
        "danger": "#98413E",
        "info": "#42635C",
        "navy": "#273F34",
        "accent": "#D7C9A9",
        "blush": "#F4E8E2"
      }
    },
    "currency": "USD",
    "age": 38,
    "household": 2,
    "taxMode": "US",
    "grossAnnualIncome": 110000,
    "annualBonus": 0,
    "usFilingStatus": "married_filing_jointly",
    "usState": "MI",
    "ukRegion": "england_wales_ni",
    "ukStudentLoanPlan": "none",
    "ukPostgraduateLoan": false,
    "canadaProvince": "ON",
    "australiaMedicareLevyExempt": false,
    "newZealandStudentLoan": false,
    "irelandFilingStatus": "single",
    "singaporeCpfApplicable": true,
    "preTaxRetirement": 6600,
    "hsa": 1500,
    "preTaxHealth": 2400,
    "postTaxDeductions": 0,
    "manualStateTax": 0,
    "ukSalarySacrificePension": 0,
    "monthlyNetIncome": 6673.01,
    "monthlySpend": 1650,
    "monthlyCommittedSpend": 2993.33,
    "monthlyBudget": 4643.33,
    "budgetElapsedDays": 31,
    "budgetTotalDays": 31,
    "budgetCategories": [
      {
        "id": "housing",
        "label": "Mortgage payment",
        "planned": 1604.83,
        "actual": 1604.83,
        "kind": "committed",
        "group": "Housing",
        "flow": "expense",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "insurance",
        "label": "Home insurance",
        "planned": 100,
        "actual": 100,
        "kind": "committed",
        "group": "Bills",
        "flow": "expense",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-tutorial-1787889563816",
        "label": "Groceries",
        "planned": 650,
        "actual": 669.5,
        "kind": "discretionary",
        "group": "Everyday spending",
        "flow": "expense",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-electricity-1787894235952",
        "label": "Electricity",
        "group": "Bills",
        "flow": "expense",
        "planned": 140,
        "actual": 133,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-water-1787894237605",
        "label": "Water",
        "group": "Bills",
        "flow": "expense",
        "planned": 45,
        "actual": 45,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-internet-1787894238041",
        "label": "Internet",
        "group": "Bills",
        "flow": "expense",
        "planned": 65,
        "actual": 65,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-phone-1787894238496",
        "label": "Phone",
        "group": "Bills",
        "flow": "expense",
        "planned": 80,
        "actual": 80,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-fuel-1787894239681",
        "label": "Fuel",
        "group": "Everyday spending",
        "flow": "expense",
        "planned": 180,
        "actual": 183.6,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-public-transport-1787894240157",
        "label": "Public transport",
        "group": "Everyday spending",
        "flow": "expense",
        "planned": 35,
        "actual": 32.9,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-household-1787894240618",
        "label": "Household",
        "group": "Everyday spending",
        "flow": "expense",
        "planned": 100,
        "actual": 104,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-medical-1787894241113",
        "label": "Medical",
        "group": "Everyday spending",
        "flow": "expense",
        "planned": 100,
        "actual": 108,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-dining-out-1787894241841",
        "label": "Dining out",
        "group": "Lifestyle",
        "flow": "expense",
        "planned": 140,
        "actual": 135.8,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-entertainment-1787894242317",
        "label": "Entertainment",
        "group": "Lifestyle",
        "flow": "expense",
        "planned": 60,
        "actual": 61.2,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-shopping-1787894242721",
        "label": "Shopping",
        "group": "Lifestyle",
        "flow": "expense",
        "planned": 100,
        "actual": 92,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-travel-1787894243105",
        "label": "Travel",
        "group": "Lifestyle",
        "flow": "expense",
        "planned": 160,
        "actual": 164.8,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-home-maintenance-1787894244193",
        "label": "Home maintenance",
        "group": "Home",
        "flow": "expense",
        "planned": 150,
        "actual": 150,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-gifts-1787894245161",
        "label": "Gifts",
        "group": "Lifestyle",
        "flow": "expense",
        "planned": 60,
        "actual": 69.6,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-salary-1787947095494",
        "label": "Salary",
        "group": "Income",
        "flow": "income",
        "planned": 6673.01,
        "actual": 6673.01,
        "kind": "committed",
        "hidden": false,
        "note": "Fictional monthly take-home pay; 2026 tax rules used consistently for the simulated history."
      },
      {
        "id": "cat-work-expenses-1787959863843",
        "label": "Work expenses",
        "group": "Everyday spending",
        "flow": "expense",
        "planned": 35,
        "actual": 33.6,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-gardening-1787983457547",
        "label": "Gardening",
        "group": "Home",
        "flow": "expense",
        "planned": 30,
        "actual": 30.6,
        "kind": "discretionary",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-gym-1787983472838",
        "label": "Gym",
        "group": "Lifestyle",
        "flow": "expense",
        "planned": 35,
        "actual": 35,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-video-app-1788064999235",
        "label": "Video streaming",
        "group": "Bills",
        "flow": "expense",
        "planned": 20,
        "actual": 20,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-second-car-insurance-1788143239634",
        "label": "Car insurance",
        "group": "Bills",
        "flow": "expense",
        "planned": 110,
        "actual": 110,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "cat-amex-loan-payment",
        "label": "Car loan payment",
        "group": "Bills",
        "flow": "expense",
        "planned": 293.5,
        "actual": 293.5,
        "kind": "committed",
        "hidden": false,
        "note": "Monthly target; simulated spending varies seasonally."
      },
      {
        "id": "alex-property-tax",
        "label": "Property tax",
        "kind": "committed",
        "group": "Housing",
        "flow": "expense",
        "hidden": false,
        "planned": 350,
        "actual": 350,
        "note": "Monthly target; simulated spending varies seasonally."
      }
    ],
    "recurringCommitments": [
      {
        "id": "fixture-recurring-us-mortgage",
        "label": "Home mortgage payment",
        "amount": 1604.83,
        "frequency": "monthly",
        "categoryId": "housing"
      },
      {
        "id": "fixture-recurring-energy",
        "label": "Home electricity",
        "amount": 140,
        "frequency": "monthly",
        "categoryId": "cat-electricity-1787894235952"
      },
      {
        "id": "fixture-recurring-water",
        "label": "Water service",
        "amount": 135,
        "frequency": "quarterly",
        "categoryId": "cat-water-1787894237605"
      },
      {
        "id": "fixture-recurring-internet",
        "label": "Home internet",
        "amount": 65,
        "frequency": "monthly",
        "categoryId": "cat-internet-1787894238041"
      },
      {
        "id": "fixture-recurring-mobile",
        "label": "Mobile phone plan",
        "amount": 80,
        "frequency": "monthly",
        "categoryId": "cat-phone-1787894238496"
      },
      {
        "id": "fixture-recurring-gym",
        "label": "Gym membership",
        "amount": 35,
        "frequency": "monthly",
        "categoryId": "cat-gym-1787983472838"
      },
      {
        "id": "fixture-recurring-home-insurance",
        "label": "Home insurance renewal",
        "amount": 1200,
        "frequency": "annual",
        "categoryId": "insurance"
      },
      {
        "id": "fixture-recurring-video",
        "label": "Video streaming bundle",
        "amount": 20,
        "frequency": "monthly",
        "categoryId": "cat-video-app-1788064999235"
      },
      {
        "id": "fixture-recurring-garden-service",
        "label": "Garden service",
        "amount": 30,
        "frequency": "monthly",
        "categoryId": "cat-gardening-1787983457547"
      },
      {
        "id": "fixture-recurring-amex-loan",
        "label": "Car loan payment",
        "amount": 293.5,
        "frequency": "monthly",
        "categoryId": "cat-amex-loan-payment"
      },
      {
        "id": "alex-property-tax",
        "label": "Property tax provision",
        "amount": 350,
        "frequency": "monthly",
        "categoryId": "alex-property-tax"
      }
    ],
    "transactionActualsEnabled": true,
    "transactions": [
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "fixture-salary-2023-09",
        "postedDate": "2023-09-01",
        "description": "Maple Studio salary",
        "kind": "income",
        "categoryId": "cat-salary-1787947095494",
        "amount": 6673.01,
        "externalId": "fixture-salary-2023-09",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-0"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-mortgage-account-interest-2023-09",
        "postedDate": "2023-09-05",
        "description": "Home mortgage interest",
        "kind": "expense",
        "categoryId": "housing",
        "amount": 1317.71,
        "externalId": "alex-mortgage-account-interest-2023-09",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-1"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-mortgage-account-principal-2023-09:out",
        "postedDate": "2023-09-05",
        "transferAccountId": "mortgage-account",
        "transferPairId": "alex-mortgage-account-principal-2023-09",
        "transferDirection": "out",
        "kind": "transfer",
        "amount": 287.12,
        "categoryId": "housing",
        "description": "Home mortgage principal",
        "externalId": "alex-mortgage-account-principal-2023-09:out",
        "memo": "Fictional Alex lifestyle simulation"
      },
      {
        "accountId": "mortgage-account",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-mortgage-account-principal-2023-09:in",
        "postedDate": "2023-09-05",
        "transferAccountId": "account-1787946948482",
        "transferPairId": "alex-mortgage-account-principal-2023-09",
        "transferDirection": "in",
        "kind": "transfer",
        "amount": 287.12,
        "categoryId": "housing",
        "description": "Home mortgage principal",
        "externalId": "alex-mortgage-account-principal-2023-09:in",
        "memo": "Fictional Alex lifestyle simulation"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-debt-account-auto-interest-2023-09",
        "postedDate": "2023-09-05",
        "description": "Car loan interest",
        "kind": "expense",
        "categoryId": "cat-amex-loan-payment",
        "amount": 81.25,
        "externalId": "alex-debt-account-auto-interest-2023-09",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-2"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-debt-account-auto-principal-2023-09:out",
        "postedDate": "2023-09-05",
        "transferAccountId": "debt-account-auto",
        "transferPairId": "alex-debt-account-auto-principal-2023-09",
        "transferDirection": "out",
        "kind": "transfer",
        "amount": 212.25,
        "categoryId": "cat-amex-loan-payment",
        "description": "Car loan principal",
        "externalId": "alex-debt-account-auto-principal-2023-09:out",
        "memo": "Fictional Alex lifestyle simulation"
      },
      {
        "accountId": "debt-account-auto",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-debt-account-auto-principal-2023-09:in",
        "postedDate": "2023-09-05",
        "transferAccountId": "account-1787946948482",
        "transferPairId": "alex-debt-account-auto-principal-2023-09",
        "transferDirection": "in",
        "kind": "transfer",
        "amount": 212.25,
        "categoryId": "cat-amex-loan-payment",
        "description": "Car loan principal",
        "externalId": "alex-debt-account-auto-principal-2023-09:in",
        "memo": "Fictional Alex lifestyle simulation"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-insurance-2023-09-0",
        "postedDate": "2023-09-09",
        "description": "Home insurance",
        "kind": "expense",
        "categoryId": "insurance",
        "amount": 100,
        "externalId": "alex-insurance-2023-09-0",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-3"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-tutorial-1787889563816-2023-09-0",
        "postedDate": "2023-09-07",
        "description": "ALDI groceries",
        "kind": "expense",
        "categoryId": "cat-tutorial-1787889563816",
        "amount": 154.38,
        "externalId": "alex-cat-tutorial-1787889563816-2023-09-0",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-4"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-tutorial-1787889563816-2023-09-1",
        "postedDate": "2023-09-14",
        "description": "ALDI groceries",
        "kind": "expense",
        "categoryId": "cat-tutorial-1787889563816",
        "amount": 154.38,
        "externalId": "alex-cat-tutorial-1787889563816-2023-09-1",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-4"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-tutorial-1787889563816-2023-09-2",
        "postedDate": "2023-09-21",
        "description": "ALDI groceries",
        "kind": "expense",
        "categoryId": "cat-tutorial-1787889563816",
        "amount": 154.38,
        "externalId": "alex-cat-tutorial-1787889563816-2023-09-2",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-4"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-tutorial-1787889563816-2023-09-3",
        "postedDate": "2023-09-28",
        "description": "ALDI groceries",
        "kind": "expense",
        "categoryId": "cat-tutorial-1787889563816",
        "amount": 154.36,
        "externalId": "alex-cat-tutorial-1787889563816-2023-09-3",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-4"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-electricity-1787894235952-2023-09-0",
        "postedDate": "2023-09-11",
        "description": "Electricity",
        "kind": "expense",
        "categoryId": "cat-electricity-1787894235952",
        "amount": 162.4,
        "externalId": "alex-cat-electricity-1787894235952-2023-09-0",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-5"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-water-1787894237605-2023-09-0",
        "postedDate": "2023-09-12",
        "description": "Water",
        "kind": "expense",
        "categoryId": "cat-water-1787894237605",
        "amount": 45,
        "externalId": "alex-cat-water-1787894237605-2023-09-0",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-6"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-internet-1787894238041-2023-09-0",
        "postedDate": "2023-09-13",
        "description": "Comcast Internet",
        "kind": "expense",
        "categoryId": "cat-internet-1787894238041",
        "amount": 65,
        "externalId": "alex-cat-internet-1787894238041-2023-09-0",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-7"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-phone-1787894238496-2023-09-0",
        "postedDate": "2023-09-14",
        "description": "Phone",
        "kind": "expense",
        "categoryId": "cat-phone-1787894238496",
        "amount": 80,
        "externalId": "alex-cat-phone-1787894238496-2023-09-0",
        "memo": "Fictional Alex lifestyle simulation",
        "payeeId": "alex-payee-8"
      },
      {
        "accountId": "account-1787946948482",
        "currency": "USD",
        "source": "manual",
        "pending": false,
        "purposeClassification": "confirmed",
        "reviewState": "reviewed",
        "cleared": "cleared",
        "id": "alex-cat-fuel-1787894239681-2023-09-0",
        "postedDate": "2023-09-15",
        "description": "Fuel",
        "kind": "expense",
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        "balance": 74700,
        "openingBalance": 45000,
        "connectionStatus": "manual",
        "institutionName": "FinPath fictional demo",
        "accountGroup": "tracking",
        "includeInNetWorth": true,
        "retirementKind": "401k",
        "retirementEmployeeMonthly": 550,
        "retirementEmployerMonthly": 275,
        "balanceMode": "ledger",
        "ledgerSource": "manual"
      }
    ],
    "accountOrder": [
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      "account-import-837a7b53-98c0-4cf1-b358-25c7a127f0a1",
      "hsa-account",
      "account-1787967055612",
      "pension-6051908d-db61-4bfe-b490-54193485e1d5",
      "property-account",
      "mortgage-account",
      "debt-account-auto"
    ],
    "cash": 84168.48,
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    "pension": 74700,
    "property": 350000,
    "mortgage": 263747.89,
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    "investmentAllocation": 50,
    "annualReturn": 4.5,
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    "mortgageRate": 5.75,
    "mortgageTermYears": 30,
    "mortgageOverpayment": 0,
    "mortgageLumpSum": 0,
    "mortgageLumpSumMonth": 12,
    "mortgageRecast": false,
    "retirementAge": 67,
    "retirementDrawdown": 4,
    "retirementAccounts": [],
    "retirementEndAge": 95,
    "retirementAnnualSpending": 48000,
    "retirementWithdrawalTax": 12,
    "retirementTaxMode": "estimated",
    "retirementIncomeSources": [
      {
        "id": "social-security",
        "label": "Social Security estimate",
        "kind": "social_security",
        "annualIncome": 24000,
        "startAge": 67,
        "inflationLinked": true
      }
    ],
    "goals": [
      {
        "id": "fixture-goal-emergency-fund",
        "label": "Emergency fund",
        "target": 25000,
        "current": 20000,
        "targetMonths": 24,
        "priority": "essential",
        "monthlyContribution": 210,
        "accountId": "account-import-837a7b53-98c0-4cf1-b358-25c7a127f0a1"
      },
      {
        "id": "goal-1787797952207",
        "label": "Next car",
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        "current": 5000,
        "targetMonths": 60,
        "priority": "high",
        "monthlyContribution": 170,
        "accountId": "account-import-837a7b53-98c0-4cf1-b358-25c7a127f0a1"
      },
      {
        "id": "goal-1788071834483",
        "label": "Home improvements",
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        "current": 3000,
        "targetMonths": 24,
        "priority": "medium",
        "monthlyContribution": 125,
        "accountId": "account-import-837a7b53-98c0-4cf1-b358-25c7a127f0a1"
      },
      {
        "id": "fixture-goal-travel",
        "label": "Family vacation",
        "target": 3000,
        "current": 1000,
        "targetMonths": 24,
        "priority": "medium",
        "monthlyContribution": 85,
        "accountId": "account-import-837a7b53-98c0-4cf1-b358-25c7a127f0a1"
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    ],
    "debts": [
      {
        "id": "auto",
        "label": "Car Loan",
        "kind": "auto_loan",
        "balance": 6588.21,
        "annualRate": 6.5,
        "minimumMonthlyPayment": 293.5,
        "monthlyOverpayment": 0,
        "yearsRemaining": 2,
        "currency": "USD"
      }
    ],
    "debtStrategy": "avalanche",
    "extraDebtPayment": 0,
    "allocationPolicyMode": "balanced",
    "extraRetirementContribution": 0,
    "futureEvents": [
      {
        "id": "car-replace",
        "label": "Replace vehicle",
        "year": 5,
        "kind": "one_off_expense",
        "amount": 18000
      },
      {
        "id": "fixture-income-promotion",
        "label": "Possible promotion",
        "year": 3,
        "kind": "income_change",
        "amount": 5000
      },
      {
        "id": "alex-home-repair",
        "label": "Roof repair",
        "year": 7,
        "kind": "one_off_expense",
        "amount": 8000
      }
    ],
    "scenarios": [
      {
        "id": "fixture-scenario-save-more",
        "label": "Invest more each month",
        "investmentAllocation": 80,
        "annualReturn": 6.5,
        "pensionReturn": 6,
        "propertyGrowth": 3,
        "inflation": 2.5,
        "mortgageOverpayment": 100,
        "projectionYears": 30
      },
      {
        "id": "fixture-scenario-cautious",
        "label": "Cautious markets",
        "investmentAllocation": 50,
        "annualReturn": 3.5,
        "pensionReturn": 4,
        "propertyGrowth": 1.5,
        "inflation": 3.5,
        "mortgageOverpayment": 0,
        "projectionYears": 30
      },
      {
        "id": "fixture-scenario-debt-first",
        "label": "Pay debt and mortgage faster",
        "investmentAllocation": 35,
        "annualReturn": 4.5,
        "pensionReturn": 5,
        "propertyGrowth": 2.5,
        "inflation": 2.5,
        "mortgageOverpayment": 250,
        "projectionYears": 30
      }
    ],
    "mortgageInterestIsQualified": true,
    "mortgageInterestMode": "calculated",
    "mortgageInterestPaid": 15290.16,
    "propertyTaxPaid": 4200,
    "otherStateLocalTaxes": 0,
    "charitableContributions": 600,
    "medicalExpenses": 1200,
    "otherItemizedDeductions": 0,
    "mortgageDebtLimitType": "post_2017",
    "ledgerImportReview": [],
    "reconciliationRecords": [],
    "homeTitle": "Alex's Lifestyle",
    "onboardingIntent": {
      "cashOrSavings": true,
      "property": true,
      "mortgage": true,
      "cardsOrLoans": true,
      "investmentsOrPensions": true,
      "goals": true,
      "completedAt": "2026-08-31T12:00:00.000Z"
    },
    "canonicalBalanceMigrationVersion": 1,
    "salaryIncomeStreams": [
      {
        "id": "fixture-income-alex",
        "label": "Alex employment",
        "kind": "employment_salary",
        "annualAmount": 110000,
        "annualBonus": 0,
        "payFrequency": "monthly",
        "payee": "Maple Studio salary",
        "accountId": "account-1787946948482",
        "active": true
      }
    ]
  }
}