<prompt> Human: My wife is looking at a significant increase in income with a new job. She has in the past had poor impulse control, and is working with a therapist about the problem. She desires a way to keep money just out of instantaneous reach. I know theres lots of ways to do this but Im interested in your opinions, whats a way to keep money available within a few days if needed but absolutely cannot be gotten to within 1-2 days? Im considering ideas like a money market or brokerage account and CDs so far, just to give you what my lines of thinking have been. Weve already agreed that she will be putting a significant amount in the 401kRoth IRA we will work out the details soon but thats a conversation for a later date but shes primarily interested in the amount left AFTER she has placed funds in retirement. Assistant: Try the envelope method. Make a budget and put that money into an envelope. Say she budgets 25month for coffee. When that envelope is empty, she makes coffee at home for the rest of the month.Human: I really like this idea. I was trying to do something similar with gift cards for starbucks and fast food with her, but the problem with that is it takes several minutes to check the balance on those.  <response>: It can also be helpful because its much more physical. Many people find it easier to control spending when they can have how much they have left instead of just seeing a more abstract number. 