<prompt> Human: So i am trying to save for a vacation and for plane tickets to visit my parents. I have a checking account and a savings account already. The problem with using my savings account is that i draw out of it every month to pay for rent and i dont want to accidentally take money from my vacation saving. As for my checking account, i am kind of a bad spender so i know if it is in my checking it will get spent. For about 9 months now I have been using this app called Acorns that invest money you put into it in the stock market and manages it based on how much risk you are willing to take. I have been doing Round-ups and have actually earned a good deal of money on it. So here is the question, would it be wise to use that as a savings account type deal and draw out of it once i am ready to make the big purchases? Is it susceptible to high taxes or fees? Is it too risky? Should i just open another saving account with my bank?Thanks for your time.  <response>: Pick a high apy savings and do auto transfers to save for your vacation. I do the same for my emergency fund. 