<prompt> Human: On Mint, it pushes you to open a savings account for each individual goal. Right now Im putting myself through college, so every cent is going to tuition, but Im looking at opening one eventually. But what really is the point of separate savings accounts?  <response>: I think its psychological, and that the separation helps you keep from spending savings on the wrong thing. Its a real effect - there are studies about how small changes in the setup of savings accounts can affect savings behaviors. Personally, I have a Smartypig account that forces you to set up individual savings goals - rather like mini-accounts inside the larger account. 