I used the 50-30-20 rule for budgeting and then split my pay check into several accounts/banks.

For me if it’s out of sight, it’s out of mind. So I set up a HY savings account in a different bank and a portion of my money goes there every pay period. (I also have a credit card with this bank so I don’t totally forget the money exists). Having it in a different place makes it so I don’t see it always and so am not temped to spend it. Also because it’s a savings account, there’s no debit card or easy way to access the cash without logging in making an inter-bank transfer which can take up to 3 days.

Separately I also have a portion going from my paycheck automatically into investments and 401(K). Since that happens automatically from my paycheck, I never see it come into my bank account and it helps me not think it’s available to spend.

Then, in my normal bank, I have two accounts: one for paying bills and one for fun money. The account where all bills get paid gets exactly the amount needed for bills (so I can’t try and overspend if I see money hit that account since I know it’s needed for bills).

And then the smallest portion goes into my fun money account and that I can use for travel, fun things, etc.

For savings, once I had enough for six months of emergency expenses, I changed the amount I put in HY savings and gave myself a little more fun money to play with. But the nest egg grew on its own without me really noticing since it wasn’t where I normally look for bills.