I don't agree that managing a spreadsheet to keep track of money folders is reasonable, when we live in the modern day off technology. I too have longed for hav

I don't agree that managing a spreadsheet to keep track of money folders is reasonable, when we live in the modern day off technology. I too have longed for having custom bank accounts with the strict purpose of keeping certain money separate from other money. My savings account keeps money for several purposes, but anyone looking at it would just see a single sum.