<prompt> Human: This is a throwaway as I am kind of embarrassed I know almost nothing of finance or its terms.I am married from Washington State and my wife and I both work and have no kids.Together we make about 4000 a month and our monthly expenses are about 2300.She spends a lot and I am real hard ass about saving, but I was just tucking it under the mattress which led us to use a lot of it. We had 4500 saved but after our vacation and some emergency pet situations we were left with 2000.I went to my credit union to see about CDs, or IRAs as I have heard the terms etc and ended up just splitting up the 2 grand into our 4 checking and savings accounts we both had the same bank so we had 2 checking accounts and 2 savings accounts. The reason for this was that it had a 4 interest rate up to 500 dollars so I thought I would just leave that there.My goals are to have 2 or 3 savings plans one long termretirement, one for year end or big purchasescar, house, etc, an emergency fund and a sort of this is what we have kind of surplus feel free to spend it honey account. If it helps we have 1 credit card we keep under control and one car payment she doesnt wanna pay off as she says it helps her credit keeping it open. Our work does not offer any retirement plans.Any help appreciated. How would you do that?  <response>: she doesnt wanna pay off as she says it helps her credit keeping it openThis is a myth. It doesnt help your credit score. Please see the FAQ: While youre in the FAQ, theres a lot of information there thats relevant to your situation. Good luck! 