It has to come out before it gets to me. My work offers and credit union, and I set up accounts where money automatically gets fed in with each paycheck. I cut up the debit cards...(more)6-15-2016 4:07pm
associated with them so I have to physically go into the branch to withdraw. It works for me.
Retirement is taken out of my checks. Don't have separate savings. Have a brokerage account that is basically savings so every once in a while I transfer money to that to invest....(more)6-15-2016 4:08pm
Basically it's a luxury to be able to do it this way.