The hard part for a lot of people in their twenties isn't the method, it's having enough left after rent for the second account to mean anything. I don't say that to dismiss the post, which is good. The method just assumes there's a gap to manage.

I think that's exactly who First Paycheck is for, though. Two accounts won't make anyone richer. What they change is when you find out: on payday, when you can still adjust, instead of on the 24th.