This is almost exactly what I do, as well.

There are only two other things that I do on top of that: I practice "pay yourself first" -- that is, I take 10% off the top of every dollar that comes my way and park it where it's really hard for me to get at it.

Then, I practice "repay your neighbors" -- that is, I take 10% off of the remaining money and use it for philanthropic purposes primarily focused on my local community (in the form of monetary donations, or the equivalent in my time). The point of this is to recognize that none of the success I've had could have happened without the support of my community, and this is a way to repay the favor.

Those two things happen before anything else -- before paying bills, investing, saving, etc.

I don't micromanage my finances, primarily because I hate dealing with money and focusing too much on it makes me unhappy.

I like that, keeps it very simple and straightforward. Have you always done it this way, or was there a previous iteration?

I've been doing this for over 30 years. I've iterated to this. The first iteration was not managing my money at all.

The watershed was when I had my first real success with my own business, combined with having my first child (both happened at about the same time). That forced me to face the reality that some sort of money management was essential, and through a couple of years of experimentation, I settled on this as a balance that worked well for me.

"Pay yourself first" is something I stole from the classic book "The Incredible Secret Money Machine" by Don Lancaster. That, by the way, is the only business book I've read that I found real value in.

Indeed, that mantra is a key part of Rich Dad, Poor Dad as well.

I feel like every company I've worked at talks about "exploring" a 401k match every year, but never makes it happen. After a merger or acquisition, they'll bring it up again but it never happens.

Love it.