Think of this account as the first step toward a healthy financial future. Start putting in a little extra cash every month and watch it add up. Put that money toward making a dream come true — a car, a vacation, a down payment on a house, or lots of shoes. (Who are we to tell you how to live your life?) Or just sit back and watch it grow, taking comfort in knowing that you have money set aside to face challenges as they arise. Or to buy more shoes.