Hey Elizabeth, we have to talk about the newsletter.

What newsletter are you talking about, Sean? You mean the new, free, smart money email newsletter?

Yes, and I have to say it is so good.

It really is. It has clips, episode roundups, and behind the scenes takes from me, you, and our producer, the stuff that makes you feel like you're really part of the show.

And listeners, for the record, you actually are part of the show.

I'm going to be sharing personal stuff.

You know, I love sharing my business, and I'm going to be sharing parenting tips from an eight-year-old and a single mom perspective.

And I am loading up the newsletter with my favorite gardening tips and lots of cute photos from my garden, including my pets,

just napping among my flower beds. It's kind of adorable. And the best part is that this newsletter

is totally free. So head to nerdwollet.com slash podcast to sign up. For the record, that's

nerdwollet.com slash podcast. Come hang out with us. Longtime listeners of Smart Money know that I am the

sinking fund master, but how do you actually set up this brilliant savings account strategy?

This episode, we're sharing my secrets. Welcome to NerdWallet's Smart Money Podcasts,

where you send us your money questions and we answer them with the help of our genius nerds. I'm Sean Piles. And I'm Elizabeth Ayola. As Sean alluded to,

maybe didn't allude, he just told y'all, we're going to be diving deep into sinking funds today

and specifically how to set up your own sinking fund system. I'm actually pretty excited to have this chat because now I feel

like an authority in sinking funds because I finally set some up. I'm so proud of you, Elizabeth. Yes,

clapping over here because it seems like when we first started working together, you were a little

bit hesitant. You thought it might be a little bit overly complicated. But now you're seeing the light and you realize the system is so helpful and it makes saving money so easy. Yeah. And in my words, I thought you was doing way too much. I was like, Sean, is doing too much. Well, I am. I'm always doing too much. But guess what? It works out really well for me. And you know what, Sean, I'm taking a leaf out your book. It's working out well for me too.

I'm so happy to hear it. And we actually received a number of questions from various listeners asking about how I set up my system. So we're going to go into really specific tactics in this

episode. But here is one question that a listener sent us via a voicemail on the nerd hotline. Let's give it a listen. I'm currently setting up my savings system, and I really like his system of having these

multiple accounts, and they all have a specific purpose. And I'm trying to figure out what my

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