I'm not overly familiar with how things work financially in the U.S. for day-to-day things, but here in Australia, I run everything through my debit card, so at the end of the month, I import all my transactions into Hledger, allocate them to their appropriate expenditure account (i.e., food, gas, utilities, dining out, etc.) and then I can run a report on where my money has gone. I've been doing it over the past 2 years and it gives some really good insight.
Although it's retrospective, it helps me understand what I'm spending my money on and can help forecast and budget.
As others said - use Linux. It's the defacto server operating system. Windows is clunky and cumbersome. Microsoft even made .NET work across other operating systems, making hosting .NET apps on Linux a breeze.
A super simple (and free) way of exposing your home server to the internet is to use Cloudflare tunnels. That way it doesn't matter what your IP is, traffic is routed through Cloudflare to your server and your IP is never exposed.
Use Cloudflare for your DNS, and it will offer you additional protection on their free plan.
I have iCloud+ on a family plan. Gives me Apple TV, Music, Fitness and 2TB of storage. I use it to back up all my photos (with a process to back them up to my local NAS as well as additional cloud storage - AWS Glacier)
I'm on a Mac all day and have an iPhone and iPad, so it works for me.
Some alternatives might be cheaper, but the integrations are too good to pass up.
Yes it sync’s a .HEIC and .MP4 file for each Live Photo.