<prompt> Human: Im thinking of using my primary checking account the one that gets direct deposit to pay bills and opening a second checking to deposit fun money into so I dont somehow spend all my money and not have enough for bills. Does anyone else do this? How well does this method work for you guys?  <response>: Yep, I have 6 accounts currently using 4 of them to keep my money reserved in different pools. That way I know which dollars are my E-fund, which is monthly expenses, and what I can spend on stuff I probably dont really need. Works great. Some faults with my system, but its worked notably better for me than a single account. 