How will saving his money in a checking account that yields higher interest than a savings with less restrictions hurt his finances?
I'm not interested in providing credit counseling to the "how-much-per-month" crowd. There are at least two industries providing that advice in the USA: one for-profit and one non-profit. They have quite respectable success ratios. But as they say in a joke:
Q: How many psychotherapists does it take to change a lightbulb?
A: Normally just one, but the lightbulb has to want to change.
I don't follow at all. What does this have to do with credit/financing? We are talking about deposit accounts.