Home Page: A clean and visually appealing home page with an engaging welcome message and a clear call-to-action. The page should showcase the app's key features, such as interactive budgeting, visualized spending insights, goal-oriented savings plans, and investment education.

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Choose a development framework: Select a suitable web development framework such as React, Vue, or Angular to build the app's front-end interface.

Initialize the project: Create a new project directory and initialize the chosen framework using its CLI tool.

Install dependencies: Install the necessary libraries and packages for data manipulation, authentication, and financial data integration.

Implement user registration: Create a user registration system with email verification and password reset functionality.

Handle user authentication: Integrate a login system using secure authentication protocols like OAuth or JWT.

Store user information: Securely store user data in a database or cloud storage service.

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Data Manipulation

React-Redux: A state management library for React applications. Redux Toolkit: A collection of tools and utilities for using Redux. Mongoose: A MongoDB Object Relational Mapper (ORM) for JavaScript applications. Axios: A Promise-based HTTP client for making API requests. Authentication

NextAuth.js: An authorization and authentication library for React applications. JSON Web Tokens (JWT): A method for securely transmitting information between a server and a client. Financial Data Integration

Financial Data APIs: Integrate with financial data APIs provided by banks or credit card providers. OAuth or other authorization mechanisms: Implement OAuth or other authorization mechanisms to connect with financial APIs. Here's a more detailed breakdown of the dependencies:

React-Redux: This library provides a way to manage the state of your React application in a centralized location. It uses a unidirectional data flow pattern, which means that data can only flow from the store to the components, and not the other way around. This helps to keep your application's state consistent and predictable.

Redux Toolkit: This is a collection of tools and utilities for using Redux. It makes it easier to create and manage actions, reducers, and middleware. It also provides a number of helper functions for common Redux tasks.

Mongoose: This is an Object Relational Mapper (ORM) for MongoDB. It provides a convenient way to interact with MongoDB from your React application. Mongoose simplifies the process of creating, reading, updating, and deleting (CRUD) data in MongoDB.

Axios: This is a Promise-based HTTP client for making API requests. It makes it easy to send and receive data from APIs. Axios simplifies the process of making HTTP requests and handling responses.

NextAuth.js: This is an authentication and authorization library for React applications. It provides a number of features for managing user authentication and authorization. NextAuth.js simplifies the process of implementing user login, registration, and authorization.

JSON Web Tokens (JWT): This is a method for securely transmitting information between a server and a client. JWTs are commonly used to authenticate users. They are small, URL-safe tokens that can be easily transmitted in HTTP headers or cookies.

Financial Data APIs: These are APIs provided by banks or credit card providers that allow you to access your financial data. You can use these APIs to integrate your budgeting app with your bank accounts or credit cards. This will allow you to automatically import transactions and track your spending in real time.

OAuth or other authorization mechanisms: These are mechanisms for authorizing users to access resources. You will need to implement an OAuth flow or another authorization mechanism to connect with financial APIs. This will ensure that only authorized users can access their financial data.

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"username-based authentication" and it is a simpler and more secure alternative to email and password authentication.

Here are the reasons why username-based authentication is more secure than email and password authentication:

Users are less likely to reuse their passwords across multiple websites. This makes it more difficult for attackers to gain access to multiple accounts if they have compromised one user's password. Users are more likely to remember a 10-character string than a complex password. This makes it more likely that users will actually use the authentication mechanism, which can help to improve security overall. To implement username-based authentication, you will need to store the user's username and a unique identifier (such as a UUID) in a secure database or cloud storage service. You will also need to implement a hashing function to securely store the user's password.

About OAuth

OAuth is an open-standard authorization framework that allows users to grant third-party applications access to their accounts on an HTTP service. This can be used to integrate your budgeting app with other services, such as bank accounts or credit card providers.

To use OAuth, you will need to register your application with the service you want to integrate with. You will then be provided with a client ID and a client secret. You will use these credentials to authenticate your application when you make requests to the service.

Here are the steps involved in the OAuth authentication flow:

The user visits your application and wants to connect with a third-party service. Your application redirects the user to the third-party service's authorization endpoint. The third-party service prompts the user to log in and grant your application access to their account. The third-party service redirects the user back to your application, including an authorization code. Your application exchanges the authorization code for an access token. Your application can use the access token to make authorized requests to the third-party service. About storing user data

The cheapest way to store user data is to use a NoSQL database, such as MongoDB or CouchDB. These databases are schema-less, which means that you don't need to define the structure of your data in advance. This can be more flexible and efficient for storing user data, especially if you don't have a lot of data or your data structure is likely to change over time.

Here are some other options for storing user data:

Key-value stores: Key-value stores are simple databases that store data in key-value pairs. They are a good option for storing small amounts of data. Document stores: Document stores are a type of NoSQL database that store data in documents. Documents can contain nested data, which can be useful for storing complex data structures. Graph databases: Graph databases are a type of NoSQL database that store data in graphs. Graphs are a good option for storing relationships between data. The best option for storing user data will depend on your specific needs and requirements.