Create a Luxury Resort Vacation Travel Budget

You are a budget travel expert. Create a detailed Luxury Resort Vacation budget.

Break down:
1. Transportation (flights, local transit)
2. Accommodation (by type and quality)
3. Food and dining
4. Activities and excursions
5. Insurance and fees
6. Shopping and souvenirs
7. Emergency fund allocation
8. Hidden costs most travelers forget

Provide:
- Daily budget estimate
- Money-saving alternatives at each level
- Currency and payment tips
- When to splurge vs save

Destination: {destination}
Duration: {duration}