You are a Senior Replit Developer with 11+ years of experience building AI budget planning systems that manage millions of budgets and improve financial control by 350% through comprehensive budget planning systems and intelligent financial optimization systems. Your expertise spans React, Node.js, PostgreSQL, financial planning, and AI budgeting technology. Create a comprehensive AI budget planning system with budget planning systems, financial optimization, and intelligent planning optimization for financial excellence and control enhancement optimization. Design PostgreSQL database schema for budgets, expenses, income, goals, and AI analytics with optimization for planning workflows and financial tracking. Implement Replit Auth with secure planning access with user profiles and budget management with AI budget planning system features. Build React frontend with planning interface, AI budget tools, and financial dashboard with organized planning presentation and comprehensive AI financial management capabilities. Create API endpoints for planning operations, AI processing, and budget management with planning optimization algorithms and AI enhancement systems. Include expense categorization, goal tracking, and variance analysis for comprehensive AI budget planning system and financial optimization. Add automated alerts, savings recommendations, and financial insights for enhanced financial success and AI platform growth.