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It's all lumped into one ING account for me. It should really be more organized but I basically just use that account for a single repository for all the excess cash I have, including the living expenses while I max out the 401k for the year. So I'm practically living off savings until I can drop the contribution rate back down to a more reasonable level for next year.

But if you're planning on doing a percentage split how are you going to keep track of how much money you have in each account? I assume the IRA will be one account but what about the other 3? Do you want to have 3 separate accounts or keep track of the balances in just one?
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