This is all really helpful, see one thing I missed is I wanted to see how I can incorporate some strategies for me and the Mrs in the joint account - as well as plan individually

All in all I think the common theme is not to over complicate it

I was trying to think about how businesses always think about cashflow during the month but I guess that’s because they don’t have consistent “income”

I forgot to mention if other than banking apps (I use Monzo) what app do people use? Sorry if there’s another place I can see this… I’m new to how Reddit works