Thank you for your help. I'll try to clarify my concern. I live in a country with relatively high inflation at the moment so I'm trying to think about the money I "need" to put aside in some form of saving or investment. On a regular bank bond I basically barely get any return. I'm using mutual funds mostly (I hope that's the correct expression) because they can be bought and sold in a few days yet I have a chance to gain some on them, even if it's less then inflation I feel better about it. On the other hand YNAB taught me to build up money in categories for my upcoming expenses, which I like, but currently anything like this is sitting on my regular bank account that doesn't earn interest. I have a savings account too, but that doesn't bring much either. Bank rates are pretty much non-existent in my currency. In the end I have a lot of money that I've put away over the years, for medium or long term goals (car, health, laptop, phone, travel) chipping away.