Agreed. I'm to the point in my life where I'm generally liquid to 2x my monthly expenses - but I've set up an auto-reminder system over auto-pay because of fail

Agreed. I'm to the point in my life where I'm generally liquid to 2x my monthly expenses - but I've set up an auto-reminder system over auto-pay because of failures in the past. Maybe it's the former poor person in me, but I don't trust anyone else to take money out of my account.