Split Direct Deposit: The Painless Way to Actually Save
The oldest savings advice — pay yourself first — is one payroll form away from automatic. Splits happen before the money ever tempts you.
How splits work
Payroll systems allocate by fixed amount or percentage across multiple accounts: e.g., $200/check to savings, remainder to checking. Generate one authorization per account with the deposit instruction set accordingly.
Choosing your split
Percentage scales with raises automatically; fixed amounts are predictable for budgeting. Common starter: 10% to savings you don't carry a card for.
Where to point the slice
A high-yield savings account at a different bank adds friction against impulse transfers — friction is the feature. Your emergency fund builds itself one pay cycle at a time.
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