so i came across the post saying I can do the change jar option i got to thinking.
what about an invest jar option where you can optionally put some money in automatically on pay day ( say for example £20 every time you get paid)
the money in this account is then spread out similar to how a fund is between the stock market and bonds etc
of course this jar is also optional so those who do make it know that invested money can go up or down however it will have a failsafe ammount which you can set
that way not only is your money in various baskets instead of putting all of your eggs in one basket but even if everything goes wrong once you hit the failsafe ammount your pot wont be used anymore unless you consent