<prompt> Human: I was thinking several thousand dollars for whatever reason, separated from the banks and bank accounts. I only have a checking and savings and its difficult for me to visualize how Im saving. Checking I use for spending but then saving Im saving for emergency, stuff I want, engagement ring, wedding, car parts, etc all in one savings account? Its hard to separate what Im actually saving for and would want 5 different accounts to save.So Im thinking emergency cash in case of lay off, damaged property, etc could be saved in a safe somewhere while the money in the savings account could be towards things I want, but is this viable? Is there a better way of segmenting what Im saving for?  <response>: Cash on hand is at risk of fire, flood, theft, etc. and I personally wouldnt be comfortable having much cash hidden away in my house.I use my budget to save for various goals and show me progress toward different items -- I have a line item for vacations, one for home improvement projects, one for car repairs, etc. 