Hi @cgconeal, that’s right. If you’re wanting to use the Savings Budget to track your category rollovers/savings month to month then you wouldn’t also use the Monthly Budget sheet. The Savings Budget sheet essentially replaces the Monthly Budget sheet when you decide to switch and use it.
It sounds like you’re trying to use the debt tracking workflows in this community topic and if so then you’d just want to follow the instructions for Savings Budget if that’s the one you prefer to use.