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I put 6% pre-tax into my 401k, and $100 a week into a miscellaneous expense account to be freely spent on non-essentials.
My wife gets $25 / week put into a savings account for our son and $100 / week into a savings account for us. I believe she's doing 6% pre-tax into her 401k as well. Everything else is paying our monthly bills and paying off our college and car loans as quickly as we can so we can start sinking more money into saving to buy a house.
Yes, Direct Deposit makes the saving easier, especially since the savings accounts are not linked to the ATM cards.
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