That was what I was wondering as well, since savings accounts are such poor vehicles for saving these days in terms of a return I&#x27;m sure a lot of people just leave the money in their checking account.<p>That said, its really really important that if you can&#x27;t save some money every month, and don&#x27;t accumulate savings year over year (those are importantly different things!) That is a signal that you are living beyond your means, budget down and find ways to reduce your burn rate.