<prompt> Human: Ive been in the process of budgeting and being more financially aware of myself, but thinking about and employing the envelope method, multiple savings accounts, etc., I ultimately find that the bottom line remains the same. So how do you think about your money? Is there a best way?  <response>: I have plans. Like plan a, plan b, etc. Each successive plan is less liquid, and thus less easy to access, and is more about long term savings and investments. Plan a is the basic checking account, while plan z is my mortgage. If something forces me to screw with the mortgage, that means I have exhausted all my previous plans and shit has not only hit the fan, it is covering everything. 