System 1 of 5
The Account Architecture
Simplify to four accounts. Give each one a job. Close the rest.
The problem it removes
Most money stress starts with sprawl — accounts opened for a bonus, a goal, or a whim, none with a clear purpose. When money has no assigned place to land, every deposit becomes a small decision.
Four accounts, each with a single job, ends the guessing. Money flows to where it belongs without you choosing each time.
How it works
The Bills account
Everything automated and recurring is paid from here. It only ever holds what your bills need.
The Spending account
Your day-to-day money. Whatever is here is safe to spend, by design.
The Savings account
Short-term goals and your buffer live here — separate, and left alone.
The Investing account
Long-term money that leaves automatically, before you can feel it go.
When every dollar has a place to land, you stop deciding where it goes.
Install all five in seven days.
Start free with the Starter Kit, or explore the full guided installation.