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The cash envelope system is a Japanese method called kakeibo!
Some online banking platforms like Chase allow you (as in the generic you) to manage virtual envelopes. But that is assuming that you aren’t aspiring to get out of the fiat system haha: https://www.chase.co.uk/gb/en/hub/kakeibo-saving/
I hadn't thought about it, but this method would be very simple with bitcoin too.
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