It looks like you are using the Monthly Budget, @pbentonteach, is that correct? (I.e. you are not using the Savings Budget?)
Maybe @heather can chime in on the categorizing-savings question. She is best with those workflows.
Randy
P.S. The issue with the $94.84 transaction sounds suspicious. I haven’t seen that before. I wonder if the template you are using is damaged. I’d consider trying to restore it.