Specific large financial goals — house deposit, year-long sabbatical, business launch — need their own dedicated fund. Mixing with general savings dilutes focus and makes progress harder to track.
How to structure
Dedicated savings account named for the goal (Marcus, Chase). Auto-transfer specific amount monthly. Don't touch for other purposes. Track progress visibly.
Why this works
Specific account makes progress visible. Doesn't compete with emergency fund or general saving. Goal feels real and achievable. Most adults who structure goals this way reach them faster.