My first post ever in this thread, and it's pretty minor, but the situation instantly made me think of this. Usually our payroll direct deposits on Thursdays. I keep meticulous records of our finances, so I've been checking all day, and nothing has posted yet. Minor annoyance but not a big deal for us. Plenty in checking to cover yesterday's mortgage auto-pay and preschool (who won't take a credit card, grrr for missing out on travel rewards). Credit card bill not due until 2/17, plenty of time to move money from savings to cover if necessary. They finally sent out an email this afternoon that there was an ADP issue and direct deposits SHOULD post tomorrow. My mustachian people problem is that I can NOT relate to co-workers who are flipping out about it. A one day delay should really NOT be a crisis.