Wealthy people aren’t juggling five bank accounts for fun. They’re using a structure that enforces discipline and keeps goals funded. Bank Account Stacking is the practice of holding multiple accounts—each with a specific purpose—so your plan survives everyday spending.

Why Account Stacking Works

When every dollar has a “home,” you stop guessing and start deciding. The method creates:

• Automatic boundaries — your travel fund isn’t your grocery money.
• Clear visibility — balances tell you what you can actually afford.
• Helpful friction — moving money adds a pause that prevents impulse buys.

A Simple Stacking Setup

You don’t need ten accounts. Most people start with three to five:

1) Primary Spending

Your income lands here; pay day-to-day expenses from this account only.

2) Savings (Emergency & Short-Term)

Protect your buffer. Keep this separate so it doesn’t “accidentally” get spent.

3) Investments

Brokerage or retirement accounts for long-term growth. Out of sight, out of mind.

4) Fun / Lifestyle

Guilt-free spending for hobbies, travel, and treats—prevents raiding savings.

5) Tax or Bills (Great for Businesses)

Skim for taxes or big cyclical bills so they never surprise you.

How Onu Helps (Insights, Not Custody)

• 🔍 Detects imbalances — e.g., Fun is over target while Savings is underfunded.
• 🔔 Sends reminders — email/Slack nudges to rebalance before a big spend.
• 📊 Shows forecasts — simple “what-if” views of reallocation choices.
• 🏷️ Labels by purpose — see accounts grouped by your stacking plan.

Pro Tips for Smoother Stacking

• Name accounts in your bank app (e.g., “House Fund,” “Quarterly Taxes”).
• Keep it lean — start with 3–5, add more only if it reduces friction.
• Schedule reviews — quarterly checks keep targets realistic.
• Pair with the 3-Jar Method — use jars for % targets, accounts for execution.

Stacking + Onu = Clarity