You might like this: https://www.youtube.com/watch?v=gvZSpET11ZY https://www.youtube.com/watch?v=gvZSpET11ZY My personal method is to have a standard of living

You might like this: https://www.youtube.com/watch?v=gvZSpET11ZY https://www.youtube.com/watch?v=gvZSpET11ZY My personal method is to have a standard of living high enough that I don't have to really think about it much. A small amount of discomfort, but not much. I'm a naturally frugal person so it's not so bad. I have a single credit card, a single debit card, and various Vanguard accounts (IRA, Roth IRA, Brokerage). I keep a few months of cash liquid in the bank account, whenever it gets a couple thousand over that I transfer it to my Vanguard accounts. Vanguard is very easy to manage. About an 80/20 mix between US and international, and an 80/20 mix between stock index and bond index for both US and international. So only 4 index symbols to deal with and rebalance every 6 months or so. Increase the size of your bond holdings as you get older. I log into my bank's website to pay my balance every month, and to view my transactions for that month to make sure there's no fraud/stolen card. I look at my net worth in Mint every few months just out of curiosity. I used to use Mint for tracking budgets for stuff like food, but I found that my happiness went down drastically if I tried to artificially limit my spending because I feel like I'm already really frugal. This is enough for 95%+ of people assuming they're saving enough and making enough to save enough.