Do Funds in the Vault count toward family funds when calculating interest for the Shrewd trait?

Just on the available family funds.
So the "best" use for vaults would be to add just enough money to them each cycle of interest so that you'll have room for next week's interest payment.

Although, as an extra stinger, the money you put in the vault adds to the vault's object value, causing it to increase your bills.


At least... if the vault is on your home lot.
I wonder if you could buy a business, but instead of actually selling things, you could just use it as a place you put your Vaults to store your excess money.

@Iyasenu Thanks so much for the reply. I will be taking your advice on this one, especially since it goes a long way toward explaining this: :s

https://i.imgur.com/g0qR37s.jpg

I asked Graham this question on Twitter long ago but he didn't reply. I believe that Iyasenu is right about it only calculating based on family funds. I placed a vault on a retail lot (it's designed as a bank,) to store excess funds so it doesn't affect bills.

SO what's even the point in Money Vaults then?

"paradiseplanet;c-16873653" wrote:
SO what's even the point in Money Vaults then?

Apart from aesthetics, they allow you to go over the maximum cash limit (though I'm not sure why anyone would need to), they offer some gameplay interactions, and they can be used to split funds when you're separating households (ie. the son of a family wants to get married and move out, he can put money in the vault before he moves and come back to collect it later after he moves out)

"Cupid;c-16873686" wrote:

"paradiseplanet;c-16873653" wrote:
SO what's even the point in Money Vaults then?

Apart from aesthetics, they allow you to go over the maximum cash limit (though I'm not sure why anyone would need to), they offer some gameplay interactions, and they can be used to split funds when you're separating households (ie. the son of a family wants to get married and move out, he can put money in the vault before he moves and come back to collect it later after he moves out)

I like the idea for splitting funds, I might use that! :)

@Cupid @paradiseplanet I haven't tried transferring funds with it yet, but it does allow you to go over the 9,999,999 money limit. After removing 9 million from the vault, I waited for one of the guys to get his interest payment, then transferred one million back into the vault. My family currently has 9,000,048 in the family funds and 1.5 millions in the vault with the other family member's interest still pending. Once that comes in I'll probably transfer another half a million into the vault to keep my running household total around 9 million, but I expect the bills will be really high again -not as high (I hope) as when I had the 9.5 millions in the vault, but I expect it will increase as I add to it each week. I am now wondering if there is a limit to the funds that can be put in a single vault?

https://i.imgur.com/wiD4yHM.jpg

Of course, having said all of that, the upshot is that having the defunct retail operation to shelter the funds is probably the most economical method of handling funds if you are in a use or lose situation like this. However if you choose to use a vault instead of a business to shelter your funds, you lose less money retaining your high interest income and paying higher bills than you do if you just lose the entirety of your interest income if the payments arrive when your family funds are maxed at least until the value of what is in your vault or vaults causes your bills to be higher than your interest income.