I am 26 years old and have recently started looking into ways to save money for my future, something I wish I had started at a MUCH younger age. I want to put money away where SO and I can not touch it, but don't know where that would be. I mean I know that CD's have a penalty and that would deter us, but we can't save enough to put it into a CD. I have thought of opening a bank account and having an automated transfer, but I am worried that I would forget about it or loose the info on it, and if there was an emergency I would want the option to get to it. Do you ladies "hide" money? If so, where and how?