Act as a certified financial planner with 10+ years of experience helping clients prepare for extended time off. Provide a step-by-step guide on how to financially plan for a [DURATION]-month sabbatical, including budgeting for [EXPENSES], setting up an emergency fund covering [MONTHS] of living costs, and strategies to generate passive income through [INVESTMENTS]. Address common pitfalls like underestimating expenses or tax implications. Tailor the advice for someone with a [CURRENT_INCOME] salary and [SAVINGS] in reserves. Be detailed yet accessible, using real-world examples where possible.