A warm, friendly flat-style illustration for a social media post cover. A woman sitting at a kitchen table, looking thoughtfully at her smartphone screen with a simple budget chart on it, coins and a small wallet nearby, cozy home lighting, soft golden and ochre color palette, clean modern vector style, bold readable text overlay at the top: 'Куда уходят деньги? ИИ нашёл ответ', no extra text, square format 1:1
