<prompt> Human: So Im on the verge of getting my first salaried job, and am trying to approach my finances as methodologically as possible ahead of time. The question is self explanatory: how many different bank accounts do you have, of what types, and how do you use them?I have one credit card, which I pay off in full every month. All of my student loan debt is completely paid off. The system that Ive been thinking about is to have three bank accounts:Checking 1: primary spending account rent, food, utilities, phone, miscChecking 2: emergency fund target balance of 10,000Saving 1: fun savings accumulate gradually, use for clothing, vacation, gifts, etcDoes anyone have any feedback or perspectives on how I might alter that scheme? Or how I might approach my first salaried position more effectively?  <response>: 401K automatically comes out of paycheck.remaining paycheck is direct deposited to a credit union checking account, where i also have a savings account with one months worth of immediately liquid cash.each pay period i have four automatic withdrawals into separate ING accounts one general savings account and three targeted funds: travelcarhouse down payment, and i have a fifth ING account that contains the bulk of my emergency fund. its very easy to open additional ING accounts making targeted savings simple.each pay period i have one automatic withdrawal into my brokerage account. 