[parafly]

I will probably get bashed for saying this, but if there is ever a real emergency, a credit card with a high limit can be used.

My goal is to always have at least $2000 in my checking account at all times for rent, utilities, and every day expenses. All other excess income gets put directly into my high interest hsbc account. If an expensive emergency comes up, I can simply pay for the emergency with a CC, transfer the money from my hsbc account into my checking account, and pay the balance in full when the bill comes.