personal finance systems

Three-account banking system showing money flowing from a spending account to a dedicated bills account and a separate high-yield savings account

The 3-Account System That Fixes Money Chaos

Aug 4, 2026
Financial Automation

One checking account causes money chaos. The 3-account system fixes it permanently — a bills account, spending account, and high-yield...

Four bank accounts displayed in order of priority — bills, spending, savings, and goals — with a fifth account shown as questionable, illustrating how the right number of accounts depends on functional need not arbitrary complexity

The Right Number of Bank Accounts for Fully Automated Money System

Jun 24, 2026
Financial Automation

Three accounts covers everything most people need. Here is when to add a fourth, what accounts five and beyond are...

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