#1 - 1 CENT OUT OF EVERY 10 CENT YOU MAKE (10%) SHOULD GO INTO ANY ACCOUNT THAT YOU CANNOT READILY ACCESS IN CASE OF AN EMERGENCY.
You should place the funds in an account either in another city or far from your general location. Once a week, usually saturday, I get up and gather all of my spare change and 10% of whatever money I have available and take it to a bank in the next county. Im too lazy to go to this branch often as I make it a point not to have a bank card for this bank. Requiring me to go inside to handle any transactions.