Your response should contain at least 3 bullet points. Use the markdown bullet points such as: * This is point 1.
Your answer must contain exactly 2 placeholders represented by square brackets, such as [address].
Include keywords [personal budget, financial goals, tracking expenses] in the response.
In your response, the word [key] should appear at least 2 times.
Your entire response should be in English, and in all lowercase letters. no capital letters are allowed.
Finish your response with this exact phrase [is there anything else i can help with?]. no other words should follow this phrase.

user