<prompt> Human: So back in September I started my first full time job 45,000. Now that I have started to save up some money I am curious as to where I should be keeping this money.I currently have 2 bank accounts, a checking and a savings through Wells Fargo. The savings account has 7,500 in it. I am using this as an emergency fund account. I am working towards using this as a 6 month emergency fund goal of 9,200. Once I reach that goal should be within the next 2 months I will start putting money into an IRA.Now the checking account is where I am feeling a bit confused about. I have to pay rent with a check anywhere between 600-900 a month. In addition to this I have just opened up my first credit card. The plan is to use this card for everything I can and pay the balance in full every month, from my checking account.Is there any reason that I should keep anymore than the bare minimum in my checking account? Also, is there any other type of account I should be keeping my savings in?Thanks for all of your help. And if I am being very stupid with any of my plan please let me know!  <response>: I about 1.5 months expenses in checking basically 2-3 paychecks depending on the week. I stay 1 month ahead of my expenses so Im paying this months bills with last months income. Like you, I have almost all bills on my credit card but I dont like to worry about overdrafts, bank holidays, weekends, account transfers, etc. Plus savings interest is so low that keeping a few thousand in checking doesnt make a big difference. Every once in a while I need that money because a pay day didnt line up quite right, I had a random unbudgeted expense, or Im going somewhere thats cash only. You can only have 6 withdrawals or transferspayments out of savings per month so Id rather not touch that account at all. 