I did it! I was able to refer my DH and my DS - I had to be a joint owner on my son's account but it still worked and they are all linked to my checking account. My DH and I decided that not only would it be a great way to save for our vacation but it'll also be great for saving for Christmas. That is always a tight time of the year for us! Who knows, maybe if we keep this up, we'll be able to save for our trip in 2006 and stay in a Deluxe resort! That would be GREAT! This is a great way to save money. I am so thankful to those that led me to it!