On Saturday night, Chris and I were in our living room together, looking at our finances. The kids were asleep after a long day and fun movie night, and the two of us were going over our money and plans for our trip to Italy this summer for our tenth wedding anniversary.
Have I told you we are going to Italy? We are! I am so excited! We have been planning and saving for almost two years now. We even opened a special savings account at a different bank from where our other accounts are, just so that we wouldn’t mess with that money – even in the case of an emergency. We have been saving for a long time, and are just now beginning to pull money out of the account to book our trip. So far, we have our hotels and have paid for several little day trips that we will be making.
We are going to stay in Rome for a few days, with a day trip to Naples and Pompeii (which has been on my bucket list since I first learned about it in a middle school history class). Then, we are traveling to Florence for a few days, and finally on to Venice. I’ve been to Venice before, but everywhere else will be new for both Chris and me, and we are excited to spend a few weeks exploring somewhere new together.
But I digress…
We were sitting on our couch Saturday night looking over a few things for our trip when I decided for some reason to look at my paycheck stub online. I am embarrassed to admit the rest of this story, but luckily for you imaginary friends, embarrassment never lasts long for me, so I’m going to share. Just please don’t judge us. I swear we are responsible adults.
So, I’m looking at my paystub for the first time in, like, years, and I notice that there is a withholding in my pay that seemed strange. It said, “Deferment Savings to _____ Bank.”
Huh. That’s odd because I don’t have an account with the bank that was listed.
But the longer I sat there thinking about it, the more I remembered. I DID have an account with them! I set it up when I was first hired by my school system FIVE YEARS AGO. Chris and I just kind of sat there for a minute. Surely, SURELY, we did not have a secret account somewhere with money in it that we didn’t even know about. SURELY we were not THOSE people with so much money that we LOST TRACK OF IT.
I remember one year working at Yale, a faculty member came in to see me because he had not received a paycheck for over a year. When I looked into it, there was indeed a problem with his account and his $80,000 PAYCHECK had not been paid in over a year!!!!!! I remember coming home and laughing with Chris because who could lose track of $80,000?!?!?!?!
Now, I knew there would be no where CLOSE to $80,000 in this account. But the fact that we had an entire account somewhere that we didn’t know about made me feel both embarrassingly stupid and, yet, AWWWWWWWWWESOME at the same time.
I hunted through some old paperwork in our office and eventually found an account number, so I tried logging into the banking system, but, obviously, I had never set up an online account. So, I ended up calling the bank at midnight on Saturday. Let me tell you, that was an embarrassing phone call.
“Hi, I’m trying to locate an account that I have had for five years, but have never known about until tonight.”
Judgment seeped through that call center station in India.
Finally, they got me access into my account. Turns out, we’ve been saving like CHAMPS! We had almost as much money in that account as we have been saving on our own for Italy over the past two years! Chris and I laughed and danced and jumped for joy for about an hour in our living room because WHO FINDS A RANDOM SAVINGS ACCOUNT AFTER FIVE YEARS?!?!
We are now in that uncomfortable position of acting like adults and putting that money into our real, actual savings accounts for a rainy day or acting like teenagers and DOUBLING OUR FUNDS FOR ITALY! WHOOOOOO HOOOOOOOOO!!!! Thankfully, I’m married to a responsible person, and I’m pretty sure we are just going to keep this little nest egg hidden away and let it keep growing over time. Blah.
Adulting is so overrated.
But, no matter how adultish you are, finding a hidden savings account brings joy like a five-year-old who finds buried treasure in their backyard! ARRRRRRGGGGG, Mateys!