I agree with most of this, but >keep as little money as possible in your checking account, keep a book balance of $100, transfer # from savings on a weekly bas

I agree with most of this, but >keep as little money as possible in your checking account, keep a book balance of $100, transfer # from savings on a weekly basis to cover what is due. I am not sure what the point of that is if they are in the same financial institution. Also most savings accounts pay shit for interest, and most checking accounts still pay shit but it is about double the amount of shit...