We only have one savings account. Well, technically up until 3 years ago we had no savings account because we had no extra $$ to save! I am a SAHM, but I do work from home. I don't make much. Lately, I have been thinking of putting my income in a separate savings account as sort of reminder to NOT count on the money. That way, if my WAH job falls through, we won't have been accustomed to the money each month. Does that make sense? Do you have separate savings accounts for big things, such as a vacation? Or just one savings account? Do you think it makes any difference? Do you think it helps if it is a pain to access the money - like if it is at a completely different bank - and you would be less likely to use the $$$ if it was harder to access? Just wondering.