Hi,
I have sort of a vague idea and I thought I'd bounce it off everyone.
With a few givens:
* We're starting to have some savings
* We are not "hard core" mustachians, so we like to buy ourselves something nice once in a while.
My idea: rather than just buy the nice thing from time to time (we are pretty conscientious and careful, but... hey, once in a while it's nice to get something not strictly necessary) we'd put money in an account that generates some decent monthly returns, and use those as a kind of 'allowance' for frivolous purchase.
Instead of "saving up to buy something", you're "saving up to generate the interest to buy something".
Anyone done anything like this? What sort of account would be best?