Assign transactions to a savings goal

Savings goals are nice to see accumulation, but have a flaw; there’s no way to “spend” the money in there. There should be a way to assign a transaction to a goal, and have it subtract that dollar amount from the goal. There should be two options for this; spend toward goal (removing funds allocated and also decreasing the goal by that amount), and spend for something else (removing funds allocated but not reducing the goal).

Example: I have 5k in savings for medical needs out of a $5k target, 5k/5k, it’s achieved. I get a $1k bill from the doctor, so I assign the transaction to this goal, and select “spend toward goal” because this is for the intended purpose. This would reduce both my funds allocated and the overall goal amount by 1k, leaving me with 4k/4k in the goal and it still is achieved. If I want to try to save back up to 5k later, I can increase the target amount again.

However, say something else comes up that I need some extra funds for, maybe to spend on a vacation instead. So I assign my 1k expense to this goal, but choose “spend toward something else.” This decreases my saved amount to 4k, but leaves the target still at 5k, meaning the goal shows as incomplete with 4k/5k.

A transaction assigned to a savings goal should also automatically be hidden from the budget lines, because you are using previously saved funds to pay for it. Doing this allows for real money in and out to be properly tracked without double counting, because transfers to savings goals are already tracked in budget lines under the RTA workflow.