<prompt> Human: I just got YNAB. When working a budget, Im using YNAB to put figurative money in a place emergency fund, vacation fund, etc. But is this just a divider in that same figurative way? Or should I literally put the money in a savings specified for it as well? It seems odd to just have 7,000 in a checking account with an online budget telling me what each dollar as for, but thats because Im new. Maybe thats completely normal.  <response>: You can do either. If you have a spending problem, a segregated account can help. 