[SassyGrapefruit]

Good luck with that "Free to Spend" category. It just turned into emergency fund 2.0 for me. One thing that allowed me to spend some money is the idea of diversifying my savings by purchasing assets. Rather than let Emergency fund 2.0 sit in an account as cash burning a hole in my pocket why not buy an asset. This could be an apartment, a collectible, a storage facility, etc. For me this feels like saving and spending at the same time.