Good read. I will however disagree with the statement 'it is not the governments job to pay for you in times of crisis' when they were the ones responsible for closing down businesses and making it so you couldn't work. However with that being said, I do agree having a fail safe in place for situations like that is a good idea. I personally have a general savings account (one I can dip into if needed), a help-to-buy ISA (only allowed £200 pcm), and a CBS ISA (which I can't easily withdraw from). All of which help me save money in different ways. One of the things I like most about monzo is you can create 'pools' with names of things you want to save towards. I tend to make these pools if I have something small, like a game or event I want to save up for.