# ADHD and Bank Accounts: The Setup That Actually Works (Ep 119)

Page: https://stenobird.com/podcast/mind-money-a-podcast-all-about-money-and-adhd-6847957/adhd-and-bank-accounts-the-setup-that-actually-works-ep-119
Text version: https://stenobird.com/podcast/mind-money-a-podcast-all-about-money-and-adhd-6847957/adhd-and-bank-accounts-the-setup-that-actually-works-ep-119.md
Podcast: [Mind + Money: A Podcast All About Money and ADHD](https://stenobird.com/podcast/mind-money-a-podcast-all-about-money-and-adhd-6847957)
Published: 2026-06-11T09:00:00+00:00
Episode link: https://podcasters.spotify.com/pod/show/sherry--val2/episodes/ADHD-and-Bank-Accounts-The-Setup-That-Actually-Works-Ep-119-e3kke57
Audio file: https://anchor.fm/s/10381e940/podcast/play/121304679/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-5-10%2F425907882-44100-2-f14816544ddcc.mp3
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JSON: https://stenobird.com/v1/public/podcasts/mind-money-a-podcast-all-about-money-and-adhd-6847957/episodes/adhd-and-bank-accounts-the-setup-that-actually-works-ep-119
Duration seconds: 1947

## Resource

How many bank accounts do you actually need? Where does money go once it hits your main account? And what even is a sinking fund? Should they be a part of your plan? In this episode, a financial coach and a financial planner stop talking theory and share their actual bank account setups. Sherry and Val walk through their full personal and business account structures, including the ones that are probably too many steps for most people, and the version they actually recommend to clients. We get into: - Why a separate spending account is the single most impactful change most people can make (and the one-step answer it gives you to "can I afford this?") - What sinking funds are and whether a more separated savings structure makes sense for your brain - Why the credit card works brilliantly for some people and quietly causes problems for others - What a self-employed person's business accounts actually need to look like - How to manage joint finances when both people in a household need some autonomy Whether you have been curious about how money nerds actually structure their accounts or you are tired of not knowing where your money goes before the next payday, this episode has answers. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

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