Putting roll over money into savings, help me wrap my head around this, please.

There is one thing standing between me and YNAB euphoria. That thing is that my husband doesn't like all our "roll over" money just "sitting" there doing nothing. He thinks we should put it in a HISA. I understand what he's trying to do, I just can't wrap my head around making it work in our bank and matching it up with YNAB.

This is how our ON budget bank accounts look:

**Joint:** All the money that pays our bills, fun money, Holidays, etc. It's where both our cheques go and it's where our buffer builds itself up.

**HISA:** This is where our "savings" goes. I budget x dollars per month and that money goes here.

I understand YNAB doesn't care what account the money is coming from. Do I need to make my master categories "JOINT ACCOUNT" and "HIGH INTEREST ACCOUNT" so that I know which categories come from which bank account?

Does any of this even make sense? I feel like I'm having a hard time even expressing what I'm having trouble understanding.

I would really like to compromise on this with my husband.

edit: formatting.

**edit:** Just trying to work through it in my head... If my Christmas category comes from the HISA and I buy something for Christmas, it will come out of the joint account and I am forever transferring money from joint to HISA, every time I buy something from a category in the HISA. I think this is where I'm struggling?

**edit2:** Or maybe it's that I'm struggling with knowing how much of my available to budget money is Joint vs. HISA? haha I can't even believe how confused I am. Maybe there is no helping me.