All income goes to vanguard. Each year, we move our total budget for the year to checking. Then, we pay for all spending from checking. We can easily track whether our budget is on Pace at any given time. If we run out of money, we went over. (Technically, we subtract out year end expenses like property taxes to avoid a year End surprise.)
We also have a 30 year budget spreadsheet that estimates our savings, expenses, and income Up too retirement. If we exceed or income goal for the year, we put half towards retirement and half towards a virtual 'bonus discretionary' account. If we exceed our annual budget (have to do an extra transfer from. Vanguard), we deduct that from the virtual bonus discretionary account.
Note that I wouldn't recommend exactly this approach unless 1 years spending is a relatively small amount of your net worth. We only started this technique in our 30's.