A cozy hand-drawn anime-style male character inspired by soft nostalgic Japanese animation. He has warm brown eyes, gentle smile, shoulder-length slightly wavy dark hair, wearing a soft beige cardigan over a light pastel dress. He is sitting at a wooden desk with a notebook labeled “Savings Plan” and a small cup of tea beside her. Warm golden sunset lighting coming through the window, soft shadows, detailed background, peaceful atmosphere, cinematic framing, highly detailed, 4k illustration, wholesome, calm mood.