How do you choose those? I have a savings acct I brought in just to keep track of the balance. It keeps wanting me to budget those dollars. Previous help videos show you can mark it as a tracking only account, but I don't see that option.
It's recommended that you do bring your savings account on budget, and (yes!) budget those dollars to zero.
It does not mean that you have to spend those dollars to zero. There is a difference. There is power in "give every dollar a job."
What are you saving for? If you're like many people, you have a generic "emergency fund". It looks like a giant pile of money. When you give those dollars a job, you can see clearly that if you set aside some money for auto repairs, and electronic replacement, and an upcoming home reno, then you don't really have a three month emergency job replacement fund.
The process of allocating the dollars in savings teaches you your priorities.