My budget is bigger than my take-home pay

If your budget is more than your take-home pay, the plan shows a budget deficit. It draws the gap from unassigned savings, then cash, then your emergency fund. Anything those can't cover is shown as unfunded budget: in real life, that's borrowing.

Check that take-home pay is monthly-correct (×12 for a year, and 26 paychecks if paid every two weeks), and that no line is counted twice. Then look at wants first.