I will give infuse a go and see how it is

One minor correction, interest rates have been raised to fight inflation. Concerns of a recession came because when you raise rates people spend less and the economy slows. But, Americans being Americans, they haven’t really slowed down their spending so recession concerns haven’t been a huge issue.

Discord is the best place for help for actual budget, it is very active

Holy shit. I normally use my HomePod as a white machine but right now I’m on vacation and have been trying to find an app but they are all subscription based. A fucking subscription to listen to white noise…. I love that apple has this built in.

Yup, HomeKit can 100% work without internet. It’s a requirement of being HomeKit certified. I block internet access to all my HomeKit devices and they work just fine.