Rachel Cruze on Instagram: "Here are the three accounts I recommend: 1️⃣ A primary checking account for everyday spending. 2️⃣ A separate emergency fund (start with $1,000, then build to 3–6 months). 3️⃣ A high-yield savings account for short-term goals and sinking funds. And if you want help keeping it all straight, set up your budget in @everydollar"