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Next, I want you to apply online for:

 1 × online savings account with a different institution — call it ‘Mojo’.

When you open your separate Mojo account, I'd like you to set it up with an initial $2000 deposit. And if you don't have a spare $2000, look around your house and see what you can flog on Gumtree.

I'm dead serious.

Make it your mission to get $2000 in Mojo. It's a great kick-off for what will become the most psychologically important account you ever create. When you have Mojo, you don't have financial emergencies.

The Barefoot Investor

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