There is more to surviving a major disaster or a unexpected economic down turn……
“1. Unlink your checking and savings accounts.
The main reason I’ve had my checking and savings accounts linked in the past has been to cover my overspending. This isn’t a good thing—it’s like giving myself permission to spend beyond my means.
Instead, I’ve unlinked my checking account from my savings account. I use the threat of overdraft fees (which can cost me $20 or more per transaction!) to keep myself from venturing into my savings account.”