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.