• If you have any debt (or if you are financing a student going to college), you should never let your money sit idle in a bank checking account
  
  money sitting in your checking account is not working for you; it is only making the bank money.

For this demonstration:
let's say that your monthly net income is $5,000 (paid twice monthly) and your monthly living expenses are $4,000.

(we will demonstrate how to use this program for financing college later on)

Your bank checking account would look like this: