I started this right after college after reading "Automatic Millionaire" that advocates for "paying yourself first" and automating your finances. Money goes int

I started this right after college after reading "Automatic Millionaire" that advocates for "paying yourself first" and automating your finances. Money goes into checking then automated to online savings accounts, one account per purpose (xmas, vacation, kids college, kids sports, big ticket purchase), money goes to 401k/IRA, money goes to stock account. Only bill I need to remember to pay is credit card (although minimum payment is at least made so no late fees), everything else is automated. Only decisions I make are how to rebalance things if I overspend the money left over, which stocks to invest, and periodic rebalancing to make sure things are on track to reach long-term goals. The real savings is "saving me from myself" :)