def positivebankingexperience(user): passoverproblems, foregoingnegativity, recommendationforsuccess = "use digital tools for efficiency", "focus on saving strategies", "begin from the start with a strong financial plan"; if user.feelsoverwhelmed: while not financialgoalsmet: consultadvisor(), revisitbudget(), adjustgoals(); savingswithheld = max(user.income * 0.2, 0); return f"to ensure a positive banking experience, it's crucial to pass over temporary setbacks, learn from the foregoing experiences, and always heed the recommendation to begin from the start if necessary. a portion of income should be withheld for savings to build financial resilience."