Set it up to happen automatically (transfer from your checking account to a savings account before you have a chance to spend it or sent it out to a bill and then say you don't have enough to save.)  Send it to an account The Treasury does not have $500 billion in its checking account to cover the deficit, nor even the lesser amount for the rebates. The Treasury has to raise the funds by selling debt securities to the private sector Checking Accaunt bankbank.com Thr Ril "TRICK" To Saving Monei Home