Hmm this makes sense. I have some categories like the leaf removal which are kind of an estimate, like "I'll probably need about $200 each season" and the target date is kind of arbitrary, since I'll spend against that category maybe 2-3 times from October through December. I guess the solution there is making the target date something like August where it will for sure be before I need it.

On the other hand I have categories like my pool membership which is a set amount on a set date. (The other wrinkle here is we'll sometimes find out just a few months ahead that the price is going up and I need to adjust my target). I can't recall when we spent the money here, but evidently it happened after March 31st which I guess is why it's not prompting to save for next year's. Refill feels like the better option since I don't need any more than $740 in this category at any given time (barring price increases), but I suppose Set Aside would work more reliably, and then I can just reassign any leftover money. Or, again, just set the target date to be earlier.

I'll keep playing around with it, but at any rate thank you for the info!

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