 Tell your kids to put it all in one account and don't touch it. You say, well, you've got your emergency fund. If you really have an emergency, you don't need to call it an emergency fund. You need to get the money. It doesn't matter what name it has on the envelope. You've got it stuck in your drawer in. That's ignorance, guys. Grow up. Put your big boy britches on. You have $10. That's the problem. Not that it's named 10 different things.