<prompt> Human: For all my life, Ive only ever known a paycheck-to-paycheck lifestyle. As a recent college graduate, Ive been living the whenever-my-dad-decides-to-give-me-money lifestyle. Temp agency found me a nice paying office gig, and I start Tuesday. Living at home, the only expenses I have are a 100 phone bill, netflix, gas, and food. I want to save up for a down payment on a reliable car, the GRE fee, and grad school application fees. How should I go about doing that?  <response>: Auto pay into a bank account. Better yet, auto pay into two accounts:1 your normal debitsavings2 a savings account NOT at your normal bank I actually do this at two different banks; one for a savings and one for emergency fund. 