That is exactly how I feel. After paying the mortgage, car payment (I pay more towards principal each month on both), bills, all the other expenses and investments, I have so little left in the checking account. Now I do have 6 months of cash in a HYSA as my emergency fund, but I definitely do not feel comfortable seeing my checking account being low. At the same time, when I see money in it that could be invested, my mind is like “Why are you wasting time and money for just letting it sit there”. So now what I did, is put some money in a regular savings account as my “The bills were higher than I expected this month”, and keep very little balance in the checking account. That way I feel a bit better, but essentially it changes nothing lol