The following task takes 4 minutes and 11 seconds.

You’ll open a new, online savings account (for free, of course).
You will link your pre-existing checking account to your new savings account.
You will indicate a set amount of money to be taken out of your checking account, and put into your savings account, monthly.
You can spend money stress-free because money for savings has already been extracted and put safely into savings.

Before you being, here’s what you’ll need a computer, your checking account and routing number, and your Social Security number.

What to do during the first minute:

Open the internet.
Go to https://home.capitalone360.com/.
Click “open Account” at the top, right-hand corner.
To the right of “360 Savings” is an “Open Now” button. Click it.
Make sure you’re on the “I’m New To Capital One 360” tab. Click “Continue.
Click the drop-down menu under “I would like my account to be” and select “Single.” (No need to enter a reference code.)
Push “Continue.”

What to do during the second minute:

Enter your personal information (this is where you’ll need your Social Security Number).
Enter your account information (this is where you’ll need your account and routing numbers).

Create your sign-in information.
With your new Capital One 360 Savings Account, click on “Accounts” and then “Summary.”
Click on the blue link towards the bottom left that says, “+Add new 360 Savings.”
A new screen will appear.
In the “Initial Deposit” box, put $0.01. This means that the account is going to pull $0.01 from your checking account to go to your savings account.
In the “Fund New Account From,” select your checking account.
Insert an appropriate Account Nickname (i.e. “SHOW ME THE MONEY,” “Savings Account,” etc.)
Underneath, you’ll see a section called “Set up an Automatic Savings Plan.”
Select, “Yes, please.”
A whole new set of options will appear.
Underneath “From,” select your checking account.
Underneath “Frequency,” select “Weekly” (or whatever frequency you prefer).
For “Start Date, click the calendar and select the upcoming Monday (or whatever date you prefer).
For “End Date,” leave it empty.

Continue to scroll down and click both boxes in the “Terms and Conditions” section.
Finally, click “Create Account.”

Do yourself a favor and start automatically extracting money from your checking to savings account every month.