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Thanks for the replies. I very much like the idea of separting our "funds" for use for specific purposes. The "Freedom Fund" is an interesting idea, just as "do what you want" money. We currently have a pretty healthy "emergency fund" that also serves as a "what we use to pay the CC bill when we overspend fund", to the "hey, let's go on vacation fund", etc. etc. We never dip too far into the emergency fund, but I'd like to perhaps seal off the E-fund and then leave it at a nice high amount, locked away....

On the other hand, subdividing accounts and tracking lots of different little "pots of money" would be adding to my workload. But it may be satisfying to see those little pots of money grow.

Anyway, this is connected to my paying down the car and the mortgage, becuase in reality, more than I'd like to go on vacation or do home improvements, I'd like to see those balances on my car and mortgage start falling at a more rapid rate.

We are putting away for retirement, but I should re-check our percentages to make sure we're saving as much as we want to.

Thanks for the insights,
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