How Do We Pay Off Debts When We're Saving?

It's all got to be part of me thinking about it as mental accountt. For things that are far off, but not as far off as retirement, what sort of account should i be using for that? It depends when you need the money. And if you need themoney, say in less than 12 months, keep it in cash. You don't make much on cash either except for inflation. So i think cash is safe. There's no san that cash is king and allows you to actually do things when markets go down. At ther peple can't do so within 12 months. Cash for things longer than that, think about short turm brces, long turn