<prompt> Human: I started doing this about a year ago and it has changed my money situation dramatically. Step 1. Set up two checking accounts I use BOA, its 8 a month. You can probably find cheaper accounts but I have Stocks in BOA. Sooo loyalty.Step 2. I talked with HR at work and I had my check split into the two separate accounts.Step 3. The first account is a bill account and once that money is in that account its gone. All your bills automatically draft out of this account so you dont even need the debit card on you. Step 4. The second account is a living account. I use this money for going out to eat, gas and whatever else I want. Example: you get paid every two weeks. your bills come out to 2200 a month and you make 2800 a month. Every check 1200 goes into your bill account and you dont touch that money. EVER! This is the biggest key,YOU CANNOT TOUCH THAT MONEY! the rest of the money gets automatically put into your living account 300 a pay period and thats what you live off of. Its so simple but it changed everything for me.Recently I took it up a level and opened a couple more accounts that my side hustle goes into, so now I have:Bill account: bill pay Living account: fun money Real estate account: buy real estate Debt account: pay off debt Business opportunity account: in case another opportunity comes up I can take advantage Tax account: have money set aside come tax season Stock market money automatically goes into stocks and bondsIs there anything I could be doing better reddit?  <response>: Is there anything I could be doing better reddit?Yeah, stop paying 8month for a checking account. I dont even understand how you are paying that, given that youre using direct deposit. Even if you are in love with BoA and not sure why dont think theyre a great place for stocks, they have accounts that waive the fee with direct deposits of as low as 250month. 