As we head into 2025, I’ve been thinking about setting up separate wallets for specific goals, like a travel fund or a gifting fund. Saving in bitcoin has been the most effective strategy for me, but spending it on meaningful experiences like travel or gifting during holidays and birthdays feels like a rewarding way to put it to good use.

I’m curious if anyone else does this and how you approach it. What wallets do you use? How do you organize your funds?

My current plan is to create a global travel fund in bitcoin. Here’s what I’m thinking:

Use Aqua Wallet as a custodial account for this purpose. Save in Lightning to take advantage of lower fees and faster transactions. Swap some of the balance into layer 1 once it hits 500k to 1M sats. Keep a portion in Lightning for spending flexibility while traveling. When I travel, I could use the bitcoin directly or swap it into USDT or the local currency, depending on the situation. I like the idea of keeping my savings tied to specific goals. It feels like a good way to stay organized and make spending intentional.

Does anyone else do something like this? If so, what’s your setup? I’d love to hear your thoughts and wallet recommendations!