Does it feel the same mentally, though?
Nicole Dieker

Good question. I think it feels the same mentally and just cuts down on the logistical nightmare of having separate accounts. My checking account also has 3% interest so my money for saving and spending is mingled together in there to grow. I use my categories to dictate how I will spend money and I completely ignore my checking account balance. I’m only able to do this because I use YNAB.

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