Learning fiscal responsibility through your health benefits plan

Here's a fun idea someone explained to me recently. It might help people who have trouble learning to regularly put money into a savings account:

A lot of employee health plans nowadays include free massages (often up to a pre-defined annual limit). So schedule a massage on a regular basis (say every two or three weeks) and keep the receipt, but don't send it in. Basically, the pile of receipts is a savings account you've taken out with your health insurance company. When you reach your savings goal, send in all the receipts and make your "withdrawal." (Be careful not to keep them for longer than your insurance plan's time limit, though.)

It's just like ING Direct, except you get rewarded with a free massage every time you make a deposit.

Now if only I liked massages.