Ann Wood 🥉

Shiny apps won't fix late transfers or brand preferences. Decide rent weights once and stop revisiting. Utilities split evenly to avoid micromanaging usage. Don't do shared groceries beyond a tiny staples list under a hard cap. One monthly bank transfer to the bill-holder; they pay everything on autopay. Anything more complex breaks the first busy month.

The fancy plan usually crumbles the day the water heater dies. I chased an extra sliver of APY once and paid overdraft fees because the transfer sat all weekend. Focus on access speed, daily limits, and how the bank handles holds when you suddenly move a few grand.