I don't think this question can be answered without knowing how your money is being spent. Some people try to force savings by depositing say 10% of pay in a br

I don't think this question can be answered without knowing how your money is being spent. Some people try to force savings by depositing say 10% of pay in a brokerage account (first a 401(k) or IRA should be maxed out) and the remainder in a checking account used to pay bills.