<prompt> Human: Thank you for response to my last question, here I am specifically curious about how to plan out the two years.I am in grad school and my wife is stay at home mom with 2 kids. I am wondering if anyone may have advice about how to live off savings like this for about 2 years. Do we pay ourselves from one savings account into another checking each month. Maybe use rewards cards or something? Do you keep the full amount in a savings account, maybe a Roth IRA?Thank you .  <response>: It probably doesnt matter how you handle the accounts from an earnings standpoint. Your big challenge will be budgeting. You want to do something that makes you think very hard about each expenditure other than necessities, and a smaller checking account balance will help with that. 