money: count real Joint recurring items before the move instead of a flat €900/mo

src/lib/money-tracker/scenarios.ts

@@ -220,8 +220,6 @@ export const scenarioFacts = {
 	sideTaxRate: 0.4,
 	/** Cash buffer in today's euros (grows with inflation); everything above it is invested. */
 	bufferCents: 500000,
-	/** Joint household contribution before the move, per month (Apr–Oct 2026 average). */
-	preMoveHouseholdCents: 90000,
 	/** DUO study-debt repayment, per month, for at most 35 years from 2029. */
 	duoFrom: 2029,
 	duoUntil: 2063,
@@ -691,8 +689,9 @@ export function runScenario(inputs: ScenarioInputs, params: ScenarioParams): Sce
 			}
 		}
 		if (first < moveMonth) {
-			spending += facts.preMoveHouseholdCents * remaining;
-			spreadMonth(-facts.preMoveHouseholdCents);
+			// Before the move the Joint account only pays the Joint items on the recurring list
+			// (Netflix, groceries while living with my parents, …), in full: no partner income yet.
+			for (const item of inputs.household) addItem(item, spendGrowth, false);
 		} else {
 			const share = pct(params.householdSharePercent) * spendGrowth;
 			const extra = params.householdExtraEuros * 100 * share;