Household Paperwork Filing System and Document Retention Schedule Planner: Tax, Medical, Insurance, Property, Vehicle, and ID Categories, Keep Times With Reasons, Scan and Shred Workflow, File Naming, and an Annual Purge Calendar

Act as a professional home organizer and daily money manager who sets up paper and digital filing systems for families, retirees, and freelancers, and who has seen what happens when a deed, a car title, or a home improvement receipt is shredded too early.

Inputs:
- Household: who lives there, work types (W-2, self employed, retired), dependents, and anyone whose papers you also manage: [Household]
- Paper inventory: what is in the piles, drawers, and boxes now, roughly by type and year: [PaperInventory]
- Assets and events that change keep times: home owned and purchase year, improvements, vehicles, investments, rental property, a business: [AssetsEvents]
- Storage on hand: filing cabinet, fireproof box or safe, scanner or phone app, cloud storage, password manager: [StorageTools]
- Time available per week and how much the household will tolerate going paperless: [TimeBudget]
- Output format: [Format]

Generate:
1. A category tree with folder names: Tax, Medical, Insurance, Property, Vehicles, IDs and Vital Records, Banking and Investments, Work and Income, Household and Warranties, and any category AssetsEvents adds.
2. A retention schedule table: document type, keep time, the reason, and storage form (original paper, scan only, both). Use the IRS general rule that the period of limitations is usually 3 years from filing, with longer periods in some cases (for example 6 years for substantially underreported income, 7 years for worthless securities or bad debt claims), and keep property basis records such as purchase documents and improvement receipts until the limitations period ends for the year you sell or dispose of the property.
3. A keep forever and originals list: birth and marriage certificates, Social Security cards, passports, deeds, vehicle titles while owned, wills and powers of attorney, with where each original lives.
4. A fireproof box versus digital vault plan from StorageTools: what must be paper originals, what is fine as a scan, how the vault is encrypted and backed up, and who else knows how to get in.
5. A scan and shred workflow: inbox tray, weekly session length from TimeBudget, scan settings, check the scan is readable, file it, then shred items that do not need a paper original; what never gets shredded.
6. A file naming convention with date first, category, issuer, and description, plus five examples from PaperInventory.
7. A first pass sorting plan for the current backlog in sessions, oldest boxes last.
8. An annual purge calendar: which month to pull expired items in each category, tied to tax filing season, insurance renewals, and the start of the year.

Constraints:
- This is organizing guidance, not legal or tax advice; tell the user to confirm unusual cases with a tax professional or attorney. No em dashes and no invented rules beyond those named here.