How to connect your accounts This account . . . . . . should fund this account Paycheck ■ 401(k) ■ Checking account (direct deposit) Checking account ■ Roth IRA ■ Savings account (which is subdivided into savings goals) ■ Credit card ■ Fixed costs that don’t allow credit card payment (like rent) ■ Occasional-spending cash Credit card ■ Fixed costs ■ Guilt-free spending