I'm sorry Rocco, but this is a bit misleading.

You can't compare the extra 0.9% interest earned to a self-imposed automated savings feature.

In the former, you're earning money you would not otherwise have. In the latter, you're simply moving money from one pocket (checking) to another (savings).

This isn't to say that it's a bad idea to automate reducing your spending and increasing your saving rate.

That's a very good thing to do indeed, and if setting up something like this helps you do a better job at it than simply setting up an automated monthly transfer from your checking account to an investment account, by all means go for it.

However, the premise of the article is very different than what your title and subtitle imply.