What is "break the bank?"
There have been times in my life when $20 would without a doubt have broken the bank!!
If the bank has a little resiliency, may I suggest a Sauternes as a dessert wine. If you want a good sweet wine this is it. Chateau d'Yquem is quite

expensive but it is positively Nirvana in a glass.
You can spend less and still get a nice Doisey Vedraines for $45 or thereabouts.