[mom-from-missouri]

I never keep enough in my checking to do a money market account. I earn after taxes, $250 a month from my very part time job, and $800 from my rental, which goes right back out to pay its mortgage, taxes and insurance. If I have $400 in there, I am doing good. I do have a MM account elsewhere, but its desginated for my girls tution for this year. After this school year is over that account will have a balance of 0.
DH account is the same way. He uses the credit union. Bills are auto paid and its gone. We could keep more and have a MM account for his check, but instead we opted to raise what goes into his 401K and Emp stock plan, and live on whats left.