Are you thinking that you want a D, but don't want to do it until you have some $$ put aside that's strictly yours?
Not planning on putting any money aside, just having the account open. Besides, in a D, I do not think legally there is such a thing as money that is strictly mine... Hairdog could probably shed light on that aspect.
Gone the carvings and those who left their mark. Gone the kings and queens, now only the rats hold sway.