| Financial Goals | Short-term example | Long-term example |
|-----------------|--------------------|-------------------|
| Buying a House  | Saving $5,000 for a down payment in the next 6 months | Paying off mortgage in 30 years |
| Retirement Planning | Investing $500 in a Roth IRA in the next month | Saving $1 million for retirement in 20 years |
| Debt Reduction | Paying off a credit card balance of $2,000 in the next 3 months | Paying off all debts in 5 years |
| Emergency Fund | Saving $1,000 in the next 3 months for emergency expenses | Saving 6 months' worth of expenses in an emergency fund |
| Education | Saving $2,000 for a college course in the next 6 months | Paying off student loans in 10 years |
spam fails_task lang_mismatch pii not_appropriate hate_speech sexual_content quality toxicity humor helpfulness creativity violence