This. 100%. The best I could do before switching to Simple was putting about half my paycheck in a savings account in another bank that I had no other accounts with and using that to pay my rent and maybe a few other bills. I was still always overdrawing my checking account at my main bank. I would occasionally have to go to the other bank, withdraw cash and drive over to the main bank to deposit it. Luckily, that bank didn't have any branches near where I worked, so I either had to wait 3 days for an online transfer or do my "shame banking" as my SO called it on my work from home day or Saturday morning. Simple's "Safe-to-Spend" is really a game changer for people like me.