Yes this is exactly it. I like to review stuff and typically don't keep a large cash balance. An expensive month could 5x or more my spend; maybe I just paid f

Yes this is exactly it. I like to review stuff and typically don't keep a large cash balance. An expensive month could 5x or more my spend; maybe I just paid for an overseas vacation, my home owners and auto insurance is hitting, and whatever all in the same month. Want to make sure everything is in place before kicking off the payments.