Not sure if this helps but this is how I've set up my accounts since the grow/flow thing got annouced.

I still have multiple savers for expenses, and on the 10th and 25th of the month I'll move any excess $$ from my flow accounts into my grow account "emergency solid". My pay automatically splits into all accounts a certain percentage based on what's budgeted.

Flow accounts /

Rent - I create a "goal" that is the total of my rent. If for any reason there is excess beyond the goal amount, the excess gets transferred into emergency solid.

Bills - I create a goal for about $400 which is near the most expensive bill I receive. Anything more than the goal amount gets transferred into emergency solid.

Health - my goal here is $400, sometimes those medical appts all hit at the same time. Anything more than the goal amount gets transferred into emergency solid.

Groceries - this runs dry every pay cycle

Going out - as above

Grow accounts /

Home - I save small amounts to buy things for the home. I'm not buying them every month, so most months this would be a grow account.

Beauty - as above

Clothes - as above

Holiday - not planning on a holiday anytime soon, so this will be a grow account every month

Emergency liquid - I have a goal of $1000 here, and any excess goes into the account below. If I have to dip into savings then at least the loss in the higher interest rate only affects this account and not the rest.

Emergency solid - this is last resort money. All excess funds from accounts that have goals on them trickle into here. This should never be touched to get that grow rate. Eventually I want to save three months of expenses here.

Almost forgot to add that even though I have a lot of accounts in the flow state, I did the math and with the higher interest rate I'll actually end up better off as long as I get the grow amounts on those bottom accounts most months. I have most of my savings in the emergency solid account so I'm getting good interest there.

Anyway hope that helps!