It's Okay to See a Water Level Drop

We don't want the bucket to run dry before we die, ideally. But if we continually think in terms of regular income and expenditure, I think this will make life easier for you. It's a classic way of simplifying things. We're so used to working this way throughout a working life, it just seems to make sense to continue that. You can even set a standing order from your savings account to a current account if you need it.