I don't know anything about the 72t, but I'm very familiar with living with a monthly paycheck. After 35 years I got it down to a fine science.
The secret was reserve funds in the checking account. My paycheck always came on the last working day of the month but over the years due dates for utilities, credit cards and other bills moved around. The trick is to keep enough money in the checking account to cover everything for a month in advance.
The last few years all our bills have gravitated toward the end of the month but all are due before
the end of the month. All it takes is a little planning and budgeting over the month to get things to come out even. It also takes a little restraint in spending to keep funds available for the recurring expenses.
As for pocket money, when I was working, I had access to my credit union at work and would take cash out on a weekly basis. Now that I'm retired access to the credit union is a little further than I like to drive so I cash a weekly check at our neighborhood bank where our checking account is.
Currently our checking account balance runs about $8k-$10k and I keep another $10k in slush funds at our credit union.
Now that I'm retired keeping the check book balanced is a pain in the neck, I get a pension check on the first of the month and DW gets her SS check on the second Wednesday of the month. Now everything is out of date twice a month.........The pain of retirement