Your paycheck is hitting the wrong account first. If your paycheck goes straight into your checking account, you are doing it wrong. You are leaving really easy money on the table, especially if you are in a combined finances family. My wife Amy and I use a reverse budget. All of the money from our paychecks goes directly into our joint high-yield savings account first. This money immediately starts to earn around 4% interest from day one instead of waiting for us to move it there. After the mon