Your answer must contain a title, wrapped in double angular brackets, such as <<poem of joy>>. Your entire response should be in English, and in all lowercase letters. no capital letters are allowed. your response should contain at least 5 sentences. the response must contain at least 2 placeholders represented by square brackets, such as [address]. include keywords [budget, expenses, income, track, categories] in the response. the word [expenses] should appear at least 3 times.
user