Your split sounds like a prudent approach . You set some aside for future , you keep some handy for emergencies , and you use some for discretionary spending on things you value now . I would agree that having the $ 15 K just sit in a bank account is not really great . If there is inflation , your stash is losing purchasing power . In essence , it ' s as if you have a $ 15 K emergency fund , and you might not need that much playing that role . <| sep |> Buying battlestaves is a chore , we do it because its good , but i dont want an hours of my day spent collecting 10 different coloured battlestaves and finding some battlestaves in bushes hidden around runescape . <| sep |> Can you do an acoustic version ? You don ' t have to but that might be able to save it