The Tendency to Borrow From Yourself

The temptation is to borrow, you know, air quotes borrow from ourselves. I suggest take that money, move it, move it to a second bank. No convenience options. No online banking. No checkbook even. The only way you can withdraw this money is you drive over to that bank branch. And by making you have to go through all this deliberation, deliberate process, all these iterations to get the money, you're less likely to borrow it.