<prompt> Human: So right now I have job where I earn about 11 an hour and I work 40 hours a week, but only for the summer I stop at the end of August. Would it be a good idea for me to open another savings account to act as a war chest where I just collect money to use for next school year? As of right now, I usually just split my paycheck between my checking account, my primary savings, and my IRA. I just want a second saving account at another bank UW Credit Union so that I can put money there and not be able to easily access it, so that I can build up a good amount for next year.  <response>: Sounds like a good idea to me. 