I have tried many many things. One thing I have learned is despite all having our own quirks, we all respond to pain similarly. If you disconnect the pain of

I have tried many many things. One thing I have learned is despite all having our own quirks, we all respond to pain similarly. If you disconnect the pain of bad behavior from actions, you will break a framework/model with potential. We built a system which has relatively quick feedback with a high level of automation. The key thing was open communication, collaboration, and a willingness to feel pain...you will adapt and make better choices because of it. I get you are looking for more of the dynamics of an entire framework. I felt that key point was the crux of it all. Apply that to any of your models and I would argue that is a good starting point. The other note would be, if it requires more than an hour per week of planning, prep, etc. there is a high(er) potential of failure. Automate, automate, automate! We do have a framework that is a hybrid of your models where all money enters a single account and it flows out to pre-defined systems. We integrated a couple systems together creating an envelope system with cards that have no credit. We have regular conversations on monthly expenses over dinner (exercises such as calculating cost of dinner, projects, restaurants for the week), much like you might have at work trying to understand operating expenses and we adjust.