Solid Financial Habits
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Money Operating System — Checklist

A 60-minute setup to put finances on autopilot.

  1. Accounts: Checking (hub), High-yield savings, Brokerage, Retirement.
  2. Direct deposit to Checking.
  3. Autopay credit cards in full from Checking.
  4. Automate transfers: Checking → Savings (until 3–6 months expenses), then → Investments (day after payday).
  5. Weekly 15-minute review: balances, upcoming bills, odd transactions, one improvement.