I think the way my grandparents did it is still best: Set aside a certain amount of money from each paycheck that is designated for non-essential purchases. M

I think the way my grandparents did it is still best: Set aside a certain amount of money from each paycheck that is designated for non-essential purchases. Money from that can be spent however you want. But that's the only account you can dip into, so it doesn't come into conflict with essentials or the rainy day fund. All you have to worry about losing by jackpotting the account is the ability to buy more toys for a while.