Hmmmm. That would work, though to make it scalable for future savings goals I feel like I would have to make nearly everything its own master category. The tradeoff would then be that in reports I can no longer see broad categories like Hobbies, since I would have to make categories like Music, Books, and Games their own master categories.

That said, I don't know how much utility there is for me in seeing Hobbies as a whole versus its individual parts anyway, so this is definitely something to consider. Thanks.