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@mommajulesberry It all depends on your taste for risk. I am thinking that usually people plan to retire in their 60s but most people never make it as long as they plan to. A lot of people are let go and can't find another good job in their 50s, or they become disabled. So I am a little more...

@jespy Yes, you are exactly right that putting the money in a high yield savings account at 4.6% interest is much better than what you have now. But if you have to tie up your savings for a full year to get the rate, you could just buy a CD instead and get even higher interest. (There is...

@jespy That's an awesome rate for a HYSA, congratulations! The fed has been toying with reducing the rate, but they keep stalling because inflation has been remaining high. It's why a lot of people lost money in the stock market on Thursday and Friday.

@jespy That's an awesome rate for a HYSA. The fed has been toying with reducing the rate, but they keep stalling it because inflations has been remaining high. It's why a lot of people lost money in the stock market on Thursday and Friday.

@jespy Ah, if you need the money in