Wanted all my earnings to go into the living expenses. That’s why I thought the 50/50 was a reasonable compromise. We still haven’t settled the issue but I think that split is probably where it’s going to end up, at least for the short term.
Just seeing a spreadsheet worries me. I have cash on hand for various sinking funds. They are not at a bank though. I feel it is much easier on my brain to keep it separate. For instance when we replaced our roof a couple of years ago I immediately started a roof replacement fund. I took the cost of the roof we had installed and divided it by 20 (years) and then divided that by 12 (months) to get a monthly amount to save. That breaks it down to terms I can understand. I also keep that separate from our emergency fund. It would be too easy for ME to use it for something other than a roof down the road.
you do sinking funds with your earnings, separate entirely from the savings accounts already existing. New income stream, new allocation of that income.