<prompt> Human: Im looking to start saving for things I want, not just an emergency fund or liquid savings for a down payment on a house. What do you guys do?  <response>: I love this. I use a slush fund, and live like I have a vice. By that I mean I dont smoke cigarettes or weed or drink a lot of starbucks coffees, but I pretend I do. Instead of buying a 10 pack 3xweek, or an eighth, or a large mocha-whatever, those 25-30 go into a separate checking account. My moms been smoking a packday for almost 50 years, my best friend smokes about 3-4 packsweek, and in college my roommates all spent about 150month on weed. My coworkers spend 5 every morning on coffee. I diddo none of that, but I like to pretend and put that money towards things I want. Im sure youve heard that old joke where the person says with all that money towards cigarettes you couldve bought a ferarri! and the retort is yeah, wheres your ferrari then? and my goal is to do exactly that. By putting away 25-30week, thats 1400year. Thats enough for a seriously awesome vacation. Maybe you save for a couple years and buy a gorgeous rolex, maybe you save that for 5 years and do a bathroom renovation in your house. Then you do in fact have a small version of that ferrari from the money you wouldve spent on vices. You dont see that money either way immediately, but instead of vices, you spent the same on awesome stuff to improve your life. 