If you don't have a HYSA, what are you even DOING GIRL?! 🫣 This is a FREE account with 0 risk (just make sure the bank you choose is FDIC or CDIC insured) that operates exactly like your regular checking account but PAYS YOU MORE MONEY. I make a few hundred dollars a month off mine, and it literally takes minutes to set up. You're going to use it to keep your emergency fund inside, and any short term goals (ie. things you'll do in 5 years or less - anything long term you should consider putting it into the stock market to grow). Pro tip: find a bank that allows you to bucket your savings and name each goal, and gives you the ability to buy GICs in 🇨🇦 or CDs in the 🇺🇸. You can use those for a little boost in your savings when you have a lump sum you won't need for a few months (ie. a house down payment but you aren't buying until next year).
