Diverrgrrl- I also chuck bling $ into an account monthly. I switched from ING to HBSC because they have 6% for new accounts for the first 3-6 months (I can''t remember which) for saving accounts. I like the way you think! I too save for exactly what I want. I''m 35 and figure over the next decade I''ll focus on some great timeless pieces [pendant, RHR, studs, bangle]. After that, I''ll get creative.