<prompt> Human: I have got to get my shit together. 1k in overdraft fees over the course of three months. I first overdrew my account in 2009 and I suspect that number is around 2-3k over a three year period. Assistant: Stop. Using. Your. Debit. Card. Seriously. Withdraw your paycheck and spend it in cash. When youre out. Youre out.Human: I very much like this idea. Id imagine, however, that Ill still need to use checks for bills.  <response>: Pay your bills first then and withdraw whatever is left. 