First account: We get paid into it and we use it for savings and necessary-for-life bills and tithing. Anything extra after emergency fund goes into retirement.
Second account: We transfer a fixed amount weekly into an account that we use for all other spending, recurring entertainment, etc.

Healthcare costs: We try to use our HSA as a second retirement account so if it's affordable we split the cost evenly between the two accounts before dipping into our HSA.