Just to be clear about where I stand: the framework I put forward, including the 30%, is still on the table. Near-term expenses like Juno and my mom are real, but they are finite. The details of current monthly expenses may matter at the margins, but they are not the core issue I’m trying to identify. What I’m focused on is retirement security — making sure I come out of a twenty-year marriage with a real long-term foundation. That’s the problem mediation needs to solve.