overcomplicating savings

So, you want me to set up auto-transfers on payday. Yeah, because trusting some algorithm with my hard-earned cash sounds like the epitome of financial wisdom. Pay myself first, they say. You know what that feels like? It’s like standing in a line for coffee and having the barista automatically deduce which type I want. Spoiler: They never get it right.

Listen, I get that the idea is to remove willpower from the equation. Like I’m some penny-dropping automaton that can’t manage to pop a few bucks into a different account without an app doing the thinking for me. The real crime here is treating bank accounts like multitasking monstrosities. How inefficient can we get before we realize that maybe—just maybe—we’re just adding layers of complexity to make ourselves feel clever?

And don’t even get me started on the “consistency” nonsense. What consistency? You mean hammering a nail into a wall hoping it holds? That’s what this feels like. Oh, wait, fancy a bit of advice for once that doesn’t treat you like a financial dunce? Try reading some more here. Whatever.