payloadcms/payload ? reverse-engineered prompt

Build me a modern, full-stack website that I can use as a personal site or portfolio. It should be built with Next.js, React, and TypeScript. The most important part is a powerful but user-friendly admin panel so I can manage all the content myself. I want a flexible, block-based layout builder for creating pages with different kinds of content sections, and it should also support user accounts for logging in and the ability to save drafts before publishing.

Please use a modern, open-source CMS like Payload for the backend, and let's style the frontend with a clean design using Tailwind CSS. The goal is a production-ready site that's easy for me to update and deploy on a service like Vercel.