Thank you for the explanation. Since envelopes are not “accounts”, money has to come in and out through the main checking. I may just use a separate account for operating expenses since that constantly fluctuates, unlike envelopes for things like profit, taxes, etc.

Can you confirm that the main account holder (me) is the only person that can move money to envelopes or do transfers? Is that the case with higher levels of Quickbooks like Plus or Advanced? I’d like for operations to continue running smoothly if I take a vacation or something.