YNAB has the concept of a &quot;buffer&quot;, which is just the idea that you have enough in your checking account to pay for an entire month on the first of the month. That way, your bills come out of your buffer and your paychecks replenish it.<p>This is separate from the idea of an emergency or rainy day fund, which should be an additional 3-6 months expenses in an easy-to-access account, like a linked savings account.<p>I realize that if you&#x27;re currently living paycheck-to-paycheck this can seem daunting. Definitely check out the video lessons on the YNAB site, and think about buying the software. There&#x27;s probably a way to implement it in Quicken, but I have no idea.<p><a href="https:&#x2F;&#x2F;www.youneedabudget.com&#x2F;support&#x2F;training-and-education" rel="nofollow">https:&#x2F;&#x2F;www.youneedabudget.com&#x2F;support&#x2F;training-and-educatio...</a>