Yeah, it's like trying to use one remote for all your TVs. The buttons never do the same thing.

Honestly the biggest thing people miss is the mental side of it. Having that money split up and labeled makes it feel real, like you can't just dip into your future house fund for a random weekend trip. That physical spreadsheet or separate accounts builds a wall in your brain your old single savings account never could. The higher interest is just a bonus on top of that real behavior change.

What were the old questions? I heard a teacher say focusing on character choices works better than just plot stuff.