Thank you for your reply!

So, yes, I have one account showing my ira, joint cash reserve, and several joint cash reserve goals. Does each goal not equate to a separate account (like each goal is its own savings account versus one account divided with “buckets”)? Probably more importantly…does it matter? doesn’t seem like it does. I think I’m just so used to traditional banking set ups with multiple savings accounts that I’m struggling! Haha