The Automation Sequence

Set this up once and forget it. Payday hits, and your paycheck splits automatically. This works whether you're managing a hundred dollars or a hundred thousand — the math scales identically.

Step 1: Fixed expenses go to Bills.

Step 2: Your growth percentage goes to Growth.

Step 3: Whatever remains lands in Spending.

The whole system runs in the background. Open accounts at banks with no minimums and free transfers — most online banks work perfectly. Total setup time: one Saturday afternoon.