<prompt> Human: I know it might be painfully obvious for most people. I over complicate things quite often. Should I separate savings for emergencies and a car down payment? Should I save a whole bunch of money and then pick out what I need when it comes time to use?Thanks allUpdate:I want to thank everyone who responded. Most of you guys do things separately and a few lump it all together. I am pretty bad with money always have been. Its bothered me for a long time that that I dont have money set asides for certain things. I think im going to do the separate accounts for different goals.  <response>: Your emergency savings should be entirely separate from your savings for a car payment. They dont have to be in separate bank accounts, but you should save emergency money for an emergency. 