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robb262 writes:
...might work for some of you undisciplined savers. :)

My wife has a buyandhold.com brokerage account. Money not invested in stocks gets swept to a money-market account that pays around 6.2%. We only bought $100 in stocks (to get her participating and used to the idea of investing), and the rest is in the MMA. If we want the money, we have to request it on their Web site and wait for a check to come in the mail. She goes along with this because she considers it to be the "save up for a house" fund. I'm happy because it's money saved, not spent.

The next step is convince her to go along with a monthly automatic electronic transfer from the checking account. She's very resistant to anything that smacks of her losing control of the checkbook, though.
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