<prompt> Human: Hello all. My short question is how many bank accounts should I have?I was never really taught personal finance and I have struggled my whole life. Im almost 30 and have always had a decent paying job and my wife always had one as well but we were always broke, couldnt pay bills, and no savings. For the first time in my adult life I have all my bills paid on time and finally able to make some sense of budgeting and saving. My planning was to maybe have 3 separate bank accounts. One for spendable free money, one for bills and one for saving. Is this practical? My goal is to save enough separately to have all my bills covered on the first of the month but we have always been bad at holding on to money. Im hoping 3 accounts could help split things up so the money wont be as readily accessible.  <response>: Whatever works best for you. 