The system encourages users to not only pay themselves first, but to pay
themselves first in the largest amounts possible, even if they are not
able to fully pay outstanding debts. In general, the system obtains
information related to the user's income, income sources, user's debts
(e.g., bills) and user's goals. The system then provides recommendations
related to the prioritization of paying certain bills and the amount to
pay for each bill based upon, for example, savings goals, minimum amounts
due, due dates and available income. The system and/or the user may then
determine a payment hierarchy which includes transferring funds to the
user's savings account prior to paying all or a portion of certain bills.