Think of it this way: the cash you plan to withdraw from the bank for daily use on items like groceries, cab rides, coffee runs, diapers and cocktails should come from your checking account. The money you are setting aside for a deposit on a house one day down the road (or for other big purchases you hope to make one day) should be stored safely in your savings account. Your savings account is both your cushion in case you are faced with an unplanned circumstance when you need money, and your opportunity to save for planned expenses for your future.
