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What's in your bank account? Although consumers are typically advised to frequently monitor their finances, we find the benefits of checking depend on liquid wealth. Across five studies, we document a significant interaction: Financial monitoring is associated with lower (higher) financial well-being when one's liquid wealth is low (vs. high). Financial institutions and advisors encourage people to monitor their bank account balances regularly, proclaiming that people can never check too frequently. Across five mixed-method studies, we provide evidence that, for consumers with lower liquid wealth, monitoring personal finances may not be as beneficial as prior research (and common advice) suggests. Although previous research on bank account monitoring has focused primarily on its antecedents, we focus on it's consequences for financial well-being.