I used to like to compartmentalize stuff into separate accounts and my wife still sort of does. But when you boil it down it is all just one pot of money. I started off with separate accounts for self-insuring. If you raise the deductible in order to save money, then you actually have to set aside the extra money (as opposed to just spending it) otherwise you are worse off, not better off. So I did that. Then my self-insurance account got really big, and I realized that it doesn't matter what pot of money I was using to pay bills, the change to my net worth was the same. So I kind of folded everything in together.