Rachel Cruze on Instagram: "Here are the 3 accounts I recommend: 1️⃣ A checking account for everyday spending and bills. 2️⃣ An emergency fund: start with $1,000 while you’re paying off debt, then grow it to 3–6 months of expenses in a high-yield savings account. 3️⃣ A separate savings account for things like vacations, a new car, or Christmas, this can be a HYSA too!"