The 'don't touch' account: add deliberate friction to your savings
You have a savings fund, you know you’re not supposed to touch it, and you touch it anyway. Not because you lack discipline: because it’s two taps away, in the same app where you check your everyday account balance. Any Friday-night craving finds that money with zero effort.
The tip: make withdrawing it cost something
The fix isn’t more willpower, it’s less convenience. Put deliberate friction between you and that money, so there’s a real obstacle between the impulse and the transfer, not just a good intention. Three levels, from least to most friction:
