Abstract: An online system and method where a user can post items for selling and where the payment the user receives is depositable in a plurality of saving options that include insurance policies, financial accounts, investment plans, accounts with investment groups and banks. The invention comprises steps of: (1) allowing users to decide designating a saving option account; (2) allowing users to decide composition of saving options; (3) allowing users to decide depositing priority of saving options.(4) allowing users to post items for sale such that the items are searchable by other users searching a database; and (5) allowing buyers to deposit payment in said designated saving option account.