Sometimes a little financial complexity is a good thing
I've found that sometimes people focus too much on making things a simple as they can be, and lose sight of the forest through the trees. When you focus only on making things simple, you don't always make them better, and can actually make your life more complex as a result. Personally, I've found this especially applies to finances. As a result, I focus on making my life better and automating as much as possible, NOT making my financial setup itself as simple as possible. Here are some personal examples: Number of Accounts: I've found that having a few more accounts can actually make things much simpler than trying to use one for everything. I not only have several accounts for different purposes, but have my paycheck autodeposit split between them so I don't have to do anything. Recurring expenses : I deposit enough to cover all of my recurring bills, and have them set to auto deduct from this account. This includes things such as mortgage, utilities