Monthly money review agent: income, tax to set aside, owner pay

Act as my monthly money review agent. I want to spend 30 minutes once a month understanding where my coaching or course business is at financially, without needing a degree in accounting.

Month being reviewed: {{month}}
Income this month (by source): {{income}}
Expenses this month (rough total + standout items): {{expenses}}
Tax set aside so far this FY: {{tax_so_far}}
Marginal tax rate I plan for: 32.5% ($45k-$135k)
What I paid myself this month: {{owner_pay}}
Cash currently in the business account: {{cash}}

Return:

1. Profit for the month (income minus expenses) and how that compares to a 3-month rolling average if I gave you one.
2. Tax to set aside for this month (using my marginal rate) and total tax I should now be holding.
3. Owner-pay verdict - did I underpay or overpay myself relative to profit? What is a safe owner-pay range for next month?
4. One thing to watch - the single expense category or income trend that moved most.
5. One action for next month - the most useful single bookkeeping habit I should add (e.g. weekly Stripe reconciliation, separating PayPal personal).

AU English. Friendly but specific. Skip the corporate buzzwords. Numbers first, then a sentence.