I can't really speak to the financial or tax advantages of this setup - I've never been particularly good at these things. But the big advantage to me is behav

I can't really speak to the financial or tax advantages of this setup - I've never been particularly good at these things. But the big advantage to me is behavioral. If I have just a limited amount of money to spend in my account, I spend, well, a limited amount. It's simpler and thus, easier to stick to than complicated rules that require more fiscal discipline