I’ve been working on The Money Habit Certification and passed the tests this week! This is Mike Michalowicz’s latest book — put simply, it’s Profit First for personal finance.

The primary bank accounts for The Money Habit are: Income, Needs, Wants, Dreams, Fix/Future, and Emergency. Much of the Profit First mindset carries through. One tweak I really appreciate is the concept of seasons — Recover, Fund, Activate, and Balance — which adjusts your allocations based on where you are in life.

Once you realize the power of bank accounts to solve your money needs, you see lots more possibilities. Good financial habits at home and at work mean much less stress all around.