My wife and I have accounts at Fidelity and my local credit union. My wife manages the CU and handles stuff like groceries and gas. She mostly gets a wad of cas

My wife and I have accounts at Fidelity and my local credit union. My wife manages the CU and handles stuff like groceries and gas. She mostly gets a wad of cash each week, and spends that. Nothing comes out of the CU account automatically, so no "surprises". I "manage" Fidelity account in the exact opposite manner - almost 100% automatically - paying all the bills and such. Fidelity knows of the biller and can pay the exact amount each month for many of my bills. The others, such as my electric bill are mostly on payment plans that make it the same each month and re-adjust once or twice a year, so Fidelity just sends a check to an address with the account number in the memmo. It also automatically sends money to the credit union, retirement accounts, etc. Oh, and we have a separate account for giving, both to causes that we support and people in need. Some of its automated, some of it changes each month.