I don't really, but I do have the habit of 'as soon as I get paid (like as soon as I think about it on payday), make a payment on X loan, put Y amount into the

I don't really, but I do have the habit of 'as soon as I get paid (like as soon as I think about it on payday), make a payment on X loan, put Y amount into the joint account, and put Z money into stocks/ETFs'. Joint account is only used for bills, and barring some terrible emergency I don't plan to cash out my investments. I also have an autosave set up on my bank account that each paycheck it shifts $400 into my savings. Whatever is left, I just pretend that's my paycheck and work with that for the next couple of weeks. Sometimes I stretch myself a bit too thin, and then I dip into my savings account to get me by until the next paycheck, but I try not to make a habit of it (it's not our primary savings, that gets taken out of the joint account, I mainly use my personal savings account as a buffer now). And in addition to that I have a 401k that gets taken out of my paycheck right away as well. I'll get to see the numbers go up each paycheck, and then I don't really have to think about it outside of that. Investing and paying my loan and shifting money over takes about 20 minutes of my time, then I'm done for two weeks. I'm definitely not as efficient with the rest of the money as I'd like (we eat out too often and get too many toys), but at least I'm still saving/investing a respectable amount each paycheck anyway. I didn't really start having this habit until my 30s, though, and never worked at a place that gave out RSUs, so I'm way behind a lot of people on this site that are younger than me, I'm sure.