Good point, very true. The issue I struggle with is discipline - if I have any way to access the funds, I will end up spending them, doesn't matter how many accounts I have to transfer through. Hence why I went with the pre-pay rent route - it's technically already "spent" and I can't simply take it back or acccess if after that. The goal is to recalibrate my spending habits after paying double rent for some time, and then begin to reallocate that monthly budget to better investments as you have mentioned.