For me personally, if it wasn’t making a difference in the amount, I wouldn’t be able to use my secondary savings. My money has certain names to it and if I throw off that name and try to rename it to something else, I get confused and off track. Like I will make several transactions into my savings account for things that I need to move over, rather than adding it up and making one big transaction. I need to see the exact numbers and such. But that’s just me. If you’re not like this, then I don’t think either way is a bad idea