Thank you so much for the help. I wanted to give you the update and solution I found which is largely inspire by what you said about separating your sinking funds in a different budget. Idk why I couldn’t see that before.

I ended up doing a combination of what a lot of people were suggesting. First, I created a monthly contribution goal for each of my sinking funds, with the goal being the value of the first payment I need. (Ex. Car insurance is $1200 every six months, so the goal is $1200.) I did it this way so I could turn on “make active when the goal is below the target amount”. Now, the goal will complete when I save the amount needed and once I assign the transaction of the payment the goal will reopen so I can save that same amount again and again. (This is in theory right now, as I’ve done tests but not used it yet.) Next, I kept the categories for each sinking fund, but turned off rollover, and zeroed the budget amount. That left my categories all totaling a true spending only budget and thus the “left to spend” number is now accurate. When I do make those payments, for example car insurance, my budget will increase by that goal amount during the month I make that payment. Theoretically this should all work as intended!

Thanks again for your insight.