The Excalidraw editor (npm package) supports: 💯 Free & open-source. 🎨 Infinite, canvas-based whiteboard. ️ Hand-drawn like style. 🌓 Dark mode. 🏗️ Customizable. 📷 Image support. 😀 Shape libraries ...

If the 50/30/20 budget isn’t realistic for you, maybe a 60/20/20 breakdown makes more sense — 60% toward necessities, 20% toward wants and 20% toward savings and retirement.