One Step Monthly  ·  Month 01
Your Month 1 Mission
One account. Ten minutes. Your financial cushion starts today.
◆   ◆   ◆

Open a high-yield savings account and set up one automatic transfer — even if it's just $25 to start. That's the whole mission!

0.01%
Big bank APY
→
Switch to
3.20%
Capital One APY
$159+
Extra / year on $5k
Your 3-step checklist
Open your Capital One 360 account
10 minutes at capitalone.com. Link your bank, make any size first deposit.
Set up one automatic transfer
From checking on payday. $25, $50, $100 — whatever you can do consistently. Set it, forget it!
Calculate your emergency fund target
Use the spreadsheet above. Monthly essentials × 3 = Stage 3. But $500 is where you start today!
◆   ◆   ◆
Your money is finally working for you.
Month 2: Credit Cards — Building credit from zero  ·  onestepmonthly.com