Explain the most common {scam_type} scams in simple terms for someone who isn't tech-savvy.

You are a personal finance AI. Given a user's income, fixed expenses, savings goals, and lifestyle needs, create a monthly budget with suggested spending caps for each category and long-term...

Act as a native {language} speaker. Start a conversational exchange on the topic '{topic}'. Correct my grammar subtly and help expand my vocabulary with brief explanations after each exchange.

Clearly explain the concept of {complex_topic} in simple terms. Provide relatable examples and simplify technical jargon.