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He hid money from himself by using 2 checking accounts When he signed on at his job at a consulting firm near Seattle after college, he did something many people don t consider. Okereke had his employer split his paychecks between two checking accounts, after a contribution to his employer s 401(k) program.  Twenty percent of what I make goes into a checking account that I can spend, he told Insider. It helps me budget because it s a very little amount of my income that s going there. So if I want to buy clothing, I have to have a tight budget. If I want to buy jewelry, or if I need to do maintenance on my car, it all comes out of that checking account, he said.

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