notetested
Do not count moving money as making money
Transfers between your own savings or investment accounts should not inflate income, spending, or new savings.
Moving money from one investment account to another can look exactly like money leaving one place and arriving somewhere else. If both sides are counted independently, a dashboard may celebrate new savings that never happened.
The practical rule is to identify internal transfers as reallocations. Preserve them for account balances and history, but exclude them from fresh income, spending, and new-savings totals. Otherwise the same money gets a tiny victory parade every time it changes pockets.