<prompt> Human: I want to save up for a new phone by saving 20month. However, I dont want to put my 20 in envelope since someone could steal it. Whats a good way to save money that wont interfere with my checking and savings account?  <response>: Create a separate savings account for this. I have quite a few of these, and I use them for specific items Im saving up for. You can switch money in and out between the accounts whenever you want. Works out pretty well. You can do this at almost any bank. 