Sinking funds
Save a little now for the big stuff later.
Save ahead of the big stuff
Car insurance, a laptop, the December trip — big expenses aren't surprises if you've been setting aside for them all year. Sinking funds make them boring, on purpose.
How they fill
target "$900 by December" pace auto-transfer $75 a month track a little bar that fills up peace no scramble when it lands
The quiet superpower
Most budget blowups are one big bill, not daily overspending. Sinking funds defuse all of them at once.