One paycheck autopsy: where every dollar went last month (no shame frame)

A 5-beat faceless video outline for “One paycheck autopsy: where every dollar went last month (no shame frame)” in the Personal finance basics niche, derived from caption timing of 2 reference videos.

Angles

• Audit last month like a budget walkthrough — categories first, shame never
• Caption-backed references: Budgeting Basics!; The most powerful way to think about money | Paula Pant
• Reuse the beats only — narration must be original; cite sources on screen

Beat-by-beat structure

1. Hook (0:00–0:30): Last month's statement on screen; 'where did it all go?'.
2. Beat 1: Pull totals into needs / wants / savings-debt using the budgeting buckets.
3. Beat 2: Find the 2 leaks (subscriptions, small daily spends) and price them per year.
4. Beat 3: Reframe each leak as hours of work (money-as-time lens).
5. Close: One rule for next month + not-personal-advice disclaimer. Original narration only.

Method

yt-dlp VTT captions (uploader-provided, not auto/ASR) → timed beat heuristics → editorial topic synthesis. Structure only; write original narration.