There is no free money, and delaying is essentially spending money you don't actually have. If you want to buy something that comes out of your short-term savin

There is no free money, and delaying is essentially spending money you don't actually have. If you want to buy something that comes out of your short-term savings account here. Or you can choose to not do that and have all your money in one single account and everything you do goes in and out of that. And you can configure it in a way that disables going negative so you don't get this weird overdraft fee system unless you choose to.