<prompt> Human: I was thinking adding all regular subtracted amounts, averaging my credit card expenses every month, etc. And then maybe a certain percentage of my income for leeway. Anything else I put in savings. For the past few years my checking has been jumping around between 2,000-5,000 as things get paid. So I feel like I should move at least 1,000 to savings or investment account. Anyone else have ways to monitor your accounts and figure this out?  <response>: This is not something worth wasting this time or mental energy over. an extra 1k in your checking account simply isnt as meaningful from a savings interest or investment income standpoint as not having to spend the time and energy to not overdraft. 