I have a Smarty Pig account. I currently have three goal accounts. I make a monthly contribution and the money gets divided up as per your direction. Every November, when the Christmas account is funded with my goal, I receive a deposit into my regular bank account. I have another for grandchildren's college and another for vacation. You choose your goal amount and when it's reached you get the money. You can always withdraw sooner if you need to. Oh, and you get interest!!!