We definitely do. And my intent wasnt to proselytize about it. More to just explain the reasoning. I have had fraud due to things outside of my control that to

We definitely do. And my intent wasnt to proselytize about it. More to just explain the reasoning. I have had fraud due to things outside of my control that took hundreds of hours and months to recover from. Some being from family of all things. But an Ebay/Paypal EFT with a previous bank (Suntrust) causing recurring overdrafts and a LOT of effort to get it to stop caused a lot of the afformentioned structure. We are both fairly stringent on spending, myself having had to crawl out of CC debt, so sticking to budget and keeping spending in check isnt so hard anymore. We definitely still have plenty of other safeguards as well. For example any loan we "reverse engineer" to design it to a specific payment that sets a budget limit. And for things like cars, we keep that loan to no more than $300/month. And once the car is paid off we continue putting that 300/month into a savings account for repairs and/or down payment on the next vehicle when repairs start to exceed the value of the vehicle. We also do the same for the kids college funds etc,.