Here’s how I set up my financial accounts – [I Will Teach You To Be Rich] 25% in savings 50% living expenses 25% recreational And you can make it easier by having multiple accounts. I manage all of this stuff in Quicken, so even though I may have $1,000 sitting in my ING account, I can easily tell that $200 is for furniture, $300 is for an upcoming car repair, and the rest is for whatever.