I pay myself $150 a week out of my business account. I have a personal account for checking (spending money) where my paycheck goes. I have a separate savings account with 17 thousand in it. It's earning .4 percent interest. My personal checking account is earning 3 percent. It seems NUTS not to move this lump sum to this unspeakable interest rate account. But how would I keep track of my $150 paycheck per week with this extra sum?