The plan is simple.

Create a budget and use the various accounts to set up automatic payments.

4 payments come out of one account (2 IRAs and 2 mortgage payments)

~5 monthly utilities come out of another (all paid electronically or automatically).

~4 bills which will eventually "go away" are paid from another account. When the bills go away, this account starts to accumulate money.

any weekly expense must be paid in cash. If we don't have the money, we do without. We don't need to track every penny we spend, we just need to know how to make $100 in gas money last two weeks.

I drive a full size pickup everywhere we go... so $50 gas/week is not always easy.

We set aside money for retirement prior to doing anything. Right now it's 20% (or close) of gross income. As salary increases, this % goes down (IRA limits favor lower-middle income earners).

Cash accumulates in accounts slowly. Our monthly emergency is the IRA payments. We could stop an IRA payment and save $900 that month. There is always one mortgage payment in bank as well.