text:  The fact that you're only making 5% on your money, you don't look at this as an investment. You look at it as insurance. You could be making a lot more, like in a utility stock or in mutual funds. But that's not the purpose of this fund. The purpose of this fund and the purpose of your Christmas fund is not a high yield. The purpose of your Christmas fund is to pay for Christmas. The purpose of your car fund is to pay for your car.