{"id":59333,"date":"2025-05-11T06:19:31","date_gmt":"2025-05-11T10:19:31","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=59333"},"modified":"2025-05-11T19:29:55","modified_gmt":"2025-05-11T23:29:55","slug":"best-savings-account","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/best-savings-account\/","title":{"rendered":"The 3 Best Savings Accounts Worth Your Time"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"59333\" class=\"elementor elementor-59333\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-596eef7e elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"596eef7e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a6e873b\" data-id=\"a6e873b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-820cc9c elementor-widget elementor-widget-text-editor\" data-id=\"820cc9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To save you time on picking an online savings account, here are my top choices for 2024. <span style=\"font-weight: 400;\">(Please note: I have no affiliations with any of these companies.)<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2af86e elementor-widget elementor-widget-heading\" data-id=\"d2af86e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Axos Savings Account <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df842d7 elementor-widget elementor-widget-text-editor\" data-id=\"df842d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.axosbank.com\/\"><b>Axos Savings Account\u00a0<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY:\u00a0 Up to 0.61%<\/li><\/ul><p>The APY is much lower than other high-yield savings accounts\u2014it\u2019s average at best. There\u2019s no reason to open an Axos account unless you\u2019ve already maxed out the FDIC limits on every other high-yield savings account and have to get a lower APY to horde all your cash.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05940d2 elementor-widget elementor-widget-heading\" data-id=\"05940d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discover Online Savings Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a776541 elementor-widget elementor-widget-text-editor\" data-id=\"a776541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.discover.com\/online-banking\/savings-account\/\"><b>Discover Online Savings Account<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 3.60%<\/li><\/ul><p>Discover\u2019s APY is pretty strong. Not quite the top, but it\u2019s close.<\/p><p>And if you happen to have a Discover card or checking account, keeping your accounts in one place makes everything a lot simpler.<\/p><p>If you have another Discover account, definitely get a Discover savings account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fcf361 elementor-widget elementor-widget-heading\" data-id=\"3fcf361\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HSBC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb969bc elementor-widget elementor-widget-text-editor\" data-id=\"fb969bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.hsbc.com\/\"><b>HSBC<\/b><\/a><\/p><p>HSBC has a few different savings accounts.<\/p><p><a href=\"https:\/\/www.us.hsbc.com\/savings-accounts\/products\/premier\/\">HSBC Premier Savings<\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: $100,000 across your deposit accounts and investment balances. If you go below this balance, there\u2019s a $50 monthly fee.<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 0.15%<\/li><\/ul><p>The HSBC Premier accounts are for clients who have large deposits at HSBC. Unfortunately, the APY is awful. An APY that low with a minimum balance of $100,000 is kind of insulting.<\/p><p>This is a good example of a classic big bank savings account. A bunch of constraints with a terrible APY. Skip these accounts entirely.<\/p><p><a href=\"https:\/\/www.hsbcdirect.com\/savings\/\">HSBC Everyday Savings<\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: $1<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 0.01%<\/li><\/ul><p>HSBC does have a high-yield savings account with a competitive APY. Normally, I\u2019d recommend this account as a main contender.<\/p><p>But HSBC is just a terrible bank. Every interaction with them is more difficult than it has to be. The only reason I\u2019d ever consider opening an HSBC account is if I needed a giant, international bank for some reason.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63372d1 elementor-widget elementor-widget-heading\" data-id=\"63372d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ally Savings Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d7d135 elementor-widget elementor-widget-text-editor\" data-id=\"4d7d135\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.ally.com\/bank\/online-savings-account\/\"><b>Ally Savings Account<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 3.75%<\/li><\/ul><p>We\u2019re huge fans of Ally. They\u2019ve become one of the leading high-yield savings accounts.<\/p><p>Yes, Ally doesn\u2019t technically have the highest APY, but it\u2019s darn close. And they update their APY often. So if interest rates continue to rise, you\u2019ll get a higher APY without having to do anything.<\/p><p>Their account UI is pretty slick too, and it\u2019s always improving.<\/p><p>I have an Ally account myself.<\/p><p>Feel free to stop reading here and open an Ally account right now. You won\u2019t regret it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0609203 elementor-widget elementor-widget-heading\" data-id=\"0609203\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Capital One 360 Savings<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b84eaff elementor-widget elementor-widget-text-editor\" data-id=\"b84eaff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.capitalone.com\/bank\/savings-accounts\/online-performance-savings-account\/\"><b>Capital One 360 Savings<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 3.4%<\/li><\/ul><p>Capital One used to have an APY that lagged the rest of the market, making it a substandard choice. Now it has an\u00a0 APY that\u2019s just as good as most banks. It\u2019s one of the top contenders.<\/p><p>Especially if you have Capital One credit cards, it\u2019s nice to keep everything at one bank.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17b3a3a elementor-widget elementor-widget-heading\" data-id=\"17b3a3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Marcus by Goldman Sachs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72a5a28 elementor-widget elementor-widget-text-editor\" data-id=\"72a5a28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.marcus.com\/us\/en\"><b>Marcus by Goldman Sachs<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None. However, , it does have a maximum limit of $1 million per account, not to exceed $3 million per account owner.<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 3.75%<\/li><\/ul><p>Goldman Sachs jumped into the high-yield savings account space with one of the highest APYs.<\/p><p>They do limit deposits to a total of $1,000,000, but that\u2019s not a major concern. You\u2019ll want to split up your cash balances across multiple banks to get it all FDIC-insured anyway.<\/p><p>If you\u2019re looking for your first high-yield savings account, this is a fantastic option.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d433deb elementor-widget elementor-widget-heading\" data-id=\"d433deb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">American Express Savings Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5178f20 elementor-widget elementor-widget-text-editor\" data-id=\"5178f20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.americanexpress.com\/en-us\/banking\/online-savings\/account\/\"><b>American Express Savings Account<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 3.75%<\/li><\/ul><p>American Express was one of the first to introduce a high-yield savings account, and it\u2019s been around for a while now.<\/p><p>You can set up and start using your American Express High Yield Savings in minutes. You can also have multiple linked accounts and move money between them.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79b0118 elementor-widget elementor-widget-heading\" data-id=\"79b0118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Barclays Savings Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d8c69a elementor-widget elementor-widget-text-editor\" data-id=\"2d8c69a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.barclays.co.uk\/savings\/\"><b>Barclays Savings Account<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 3.60%<\/li><\/ul><p>Another great option. Great APY, no maintenance fees, or minimum balances\u2014you can\u2019t go wrong with a Barclays online savings account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f61695f elementor-widget elementor-widget-heading\" data-id=\"f61695f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Synchrony High Yield Savings<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c908761 elementor-widget elementor-widget-text-editor\" data-id=\"c908761\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.synchronybank.com\/banking\/high-yield-savings\/\"><b>Synchrony High Yield Savings<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC insured: Yes<\/li><li aria-level=\"1\">Minimum balance: None<\/li><li aria-level=\"1\">Maintenance fees: None<\/li><li aria-level=\"1\">APY: 4.0%<\/li><\/ul><p>Synchrony is also a great option. The APY is one of the highest and has no minimums or maintenance fees. Plus, you can earn a variety of perks, such as ATM fee reimbursements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b06e62 elementor-widget elementor-widget-heading\" data-id=\"0b06e62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vio Bank<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-191f963 elementor-widget elementor-widget-text-editor\" data-id=\"191f963\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.viobank.com\/\"><b>Vio Bank<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC Insured: Yes<\/li><li aria-level=\"1\">Minimum Deposit: $100<\/li><li aria-level=\"1\">Maintenance Fees: None<\/li><li aria-level=\"1\">APY: 1.10%<\/li><\/ul><p>Because Vio Bank has no ATMs, cash cannot be deposited into a savings account. To transfer money into a savings account, link it with your current (external) bank checking account. Direct deposits can be made into your savings account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d1c796 elementor-widget elementor-widget-heading\" data-id=\"1d1c796\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bread Savings High-Yield Savings Account (formerly Comenity Direct)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72aa6c elementor-widget elementor-widget-text-editor\" data-id=\"b72aa6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/savings.breadfinancial.com\/products\/high-yield-savings-account\"><b>Bread Savings High-Yield Savings Account<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC Insured: Yes<\/li><li aria-level=\"1\">Minimum Deposit: $100<br \/>Maintenance Fees: None<\/li><li aria-level=\"1\">APY: 4.50%.<\/li><\/ul><p>With this account, there is no monthly maintenance fee. You also won\u2019t get charged for ACH transfers, online statements, or incoming wire transfers. However, you\u2019ll pay $25 per outgoing wire transfer, $15 per official check request, and $5 each time you request a paper statement.<\/p><p>To take cash out, you must transfer money to a linked account. Bread Savings doesn\u2019t offer ATM cards, debit cards, or checks with this account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b14f18 elementor-widget elementor-widget-heading\" data-id=\"1b14f18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Citizens Access<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-773e4d1 elementor-widget elementor-widget-text-editor\" data-id=\"773e4d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.secure.citizensaccess.com\/signin\/\"><b>Citizens Access<\/b><\/a><\/p><ul><li aria-level=\"1\">FDIC Insured: Yes<\/li><li aria-level=\"1\">Minimum Deposit: $1<\/li><li aria-level=\"1\">Maintenance Fees: None<\/li><li aria-level=\"1\">APY: 4.25%<\/li><\/ul><p>Citizen\u2019s Access APY is very competitive, and they rank high for their CDs as well. Citizen\u2019s Access doesn\u2019t have a mobile app, and they don\u2019t offer any checking accounts, so you\u2019ll have to split your funds between two financial institutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f842e39 elementor-widget elementor-widget-heading\" data-id=\"f842e39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\"><b>The world wants you to be vanilla\u2026<\/b><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-693d917 elementor-widget elementor-widget-text-editor\" data-id=\"693d917\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out:\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f896ca7 elementor-widget elementor-widget-button\" data-id=\"f896ca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-741cc63 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"741cc63\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d9bcf8\" data-id=\"1d9bcf8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f1fc00 elementor-widget elementor-widget-heading\" data-id=\"0f1fc00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Matters When Choosing An Online Savings Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d468118 elementor-widget elementor-widget-heading\" data-id=\"d468118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">User Experience And Company Reputation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b97069 elementor-widget elementor-widget-text-editor\" data-id=\"1b97069\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Good online and mobile apps make a huge difference these days, but it doesn\u2019t matter as much when you\u2019re looking for a high-interest online savings account.<\/p><p>It needs to be good enough, but not great.<\/p><p>Why?<\/p><p>Because we rarely log into savings accounts. They usually have limits for withdrawals up to 6 times per month. By definition, they\u2019re not meant to be used regularly.\u00a0<\/p><p>Having quick and easy access to your funds is less important than working with a company that has a reliable reputation.\u00a0<\/p><p>While most customers can access their high-interest-rate accounts quickly in an emergency, not all financial institutions are created equal. We skipped companies that scored less than 65 percent of the\u00a0<strong><a href=\"https:\/\/theharrispoll.com\/axios-harrispoll-100\/\">Harris Poll Corporate Reputation Rankings<\/a><\/strong>, like Wells Fargo, and Bank of America. We also factored in major scandals over the last five years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ec3ac elementor-widget elementor-widget-heading\" data-id=\"e1ec3ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37fc799 elementor-widget elementor-widget-text-editor\" data-id=\"37fc799\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For online savings accounts, it\u2019s essential that you get an account without any maintenance fees. Monthly maintenance fees used to be common. Thankfully, most accounts have done away with them.<\/p><p>On any good savings account, you\u2019ll rarely run into fees during normal usage. But even on the best accounts, it is possible to trigger fees for certain events:<\/p><ul><li aria-level=\"1\">Returned deposit items<\/li><li aria-level=\"1\">Overdraft items paid or returns<\/li><li aria-level=\"1\">Excessive transaction fee (like going over 6 withdrawals per month)<\/li><li aria-level=\"1\">Expedited delivery<\/li><li aria-level=\"1\">Outgoing domestic wires<\/li><li aria-level=\"1\">Account research fees<\/li><\/ul><p>We\u2019ve made sure not to include any banks on our list that have maintenance fees. But you should be aware of some of these other fee items that do exist on every account.<\/p><p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-avoid-bank-fees\/\"><strong>Avoiding bank fees and charges<\/strong><\/a>\u00a0is a key part of getting a handle on your money.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0499aeb elementor-widget elementor-widget-heading\" data-id=\"0499aeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Convenience<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70883d1 elementor-widget elementor-widget-text-editor\" data-id=\"70883d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What we consider to be \u201cconvenient\u201d with savings accounts falls into two buckets depending on where you are in your own personal finance journey.<\/p><p>When you\u2019re\u00a0<strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-way-to-save-money\/\">building savings<\/a><\/strong>\u00a0for the first time, it\u2019s essential to get an account with no minimum balance requirement. A $5 required balance or something like that is fine; you just don\u2019t want to worry about a higher one.<\/p><p>Don\u2019t put up with any account that requires a sizable minimum balance. There are so many options that don\u2019t have any balance requirements at all. This is the last thing you should be worried about in the early days, especially if an emergency comes up and you need to withdraw cash.<\/p><p>Later on, what you consider to be convenient typically changes.<\/p><p>Once you\u2019ve built enough of a cash buffer for yourself, you\u2019ll care a lot less about minimum balances. Instead, your accounts, cards, and banks will all have gotten complicated enough that simplicity will matter a lot more than it used to. At this stage, some folks will opt for a lower APY to consolidate their accounts and make everything more manageable.<\/p><p>Is this the optimum strategy to get every ounce of growth from your cash? No, it isn\u2019t. But the extra peace of mind can be well worth the cost. If this sounds appealing to you, check to see if the savings account at your main bank has a good enough APY without any maintenance fees. If it does, it could be your best option.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e013e elementor-widget elementor-widget-heading\" data-id=\"51e013e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FDIC-Insured<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6df1b91 elementor-widget elementor-widget-text-editor\" data-id=\"6df1b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Don\u2019t ever consider an online savings account that\u2019s not FDIC-insured. This means that the account is guaranteed by the federal government up to $250,000 per depositor. If something horrible happens to the bank, the federal government guarantees you\u2019ll still get access to your balance, up to $250,000. This is per depositor, so the $250,000 includes the combined balance of all your savings accounts at the same bank.<\/p><p>Nearly every savings account is FDIC-insured, as it\u2019s been a standard practice for a long time. But keep a close eye on this any time you\u2019re considering an innovative or unique approach to storing your cash.<\/p><p>For example, some folks will store their cash in a\u00a0<a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-money-market-rates\/\"><strong>money market account<\/strong>,<\/a>\u00a0which operates a lot like a savings account. Money market accounts are usually FDIC-insured. But money market\u00a0<i>funds<\/i>, which you place cash into from a brokerage account, are not FDIC insured. A subtle yet critical difference during tenuous times.<\/p><p>Another example: Robinhood attempted to roll out a checking account that promised a 3% APY. That\u2019s a checking account paying higher interest than any savings account that was available at the time, by almost 1%. Sounds amazing, right?<\/p><p>It came with several catches, one of which was that it wasn\u2019t FDIC-insured. Without FDIC insurance, the higher APY is not worth the risk.<\/p><p>My stance is that every dollar of our savings should be covered by the FDIC, even if the balance is high enough that we have to split it up between multiple savings accounts.<\/p><p>All of the accounts that we reviewed are FDIC-insured. Just keep an eye out for this if you\u2019re exploring an atypical approach to storing your cash.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e7be868 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"e7be868\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69929a8\" data-id=\"69929a8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24da063 elementor-widget elementor-widget-heading\" data-id=\"24da063\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">APY Rates<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bab829 elementor-widget elementor-widget-text-editor\" data-id=\"7bab829\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">APY rates\u2014the annual percentage yield\u2014are the main difference between savings accounts. The higher your APY rate, the more money you get automatically every month.<\/span><\/p><p><span style=\"font-weight: 400;\">APY rates across saving accounts generally fall into 3 tiers.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b4d2f3 elementor-widget elementor-widget-heading\" data-id=\"8b4d2f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Big bank savings account APYs<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8977d01 elementor-widget elementor-widget-text-editor\" data-id=\"8977d01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For the vast majority of big bank savings accounts, the APY is terrible. Big banks assume that you want a savings account along with your checking account, so they don\u2019t do anything to entice you to the savings account itself. Even when plenty of online high-yield savings accounts are offering an APY of 2%, big banks might only offer a 0.15% APY. On a savings balance of $10,000, that\u2019s a difference between making $200 a year versus $20 a year.<\/p><p>This doesn\u2019t apply to ALL big banks, but most of them do fall into this category. So keep an eye out for these. Unless you really want to maximize convenience by consolidating accounts and taking a lower APY, it\u2019s worth finding an account with a higher APY.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29d46c7 elementor-widget elementor-widget-heading\" data-id=\"29d46c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">High-yield savings account APYs<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31072d7 elementor-widget elementor-widget-text-editor\" data-id=\"31072d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>High-yield savings accounts have become extremely popular. These banks don\u2019t have branches; they\u2019re 100% online. Since they save a lot from not having physical locations, they pass the savings onto you with a higher APY.<\/p><p><a href=\"https:\/\/www.ally.com\/bank\/online-savings-account\/\"><strong>Ally<\/strong><\/a>\u00a0and\u00a0<strong><a href=\"https:\/\/www.americanexpress.com\/personalsavings\/home.html\">American Express<\/a><\/strong>\u00a0are two of the most popular banks in this category.<\/p><p>The APY also stays updated over time. Back during the financial crisis, the Federal Reserve dropped interest rates to 0%, and most high-yield savings accounts had APYs of 0.5-0.7%. As the Federal Reserve increased interest rates, these same accounts also increased their APY. Whenever interest rates increase, you\u2019ll get those increases automatically from these accounts. No need to constantly switch between accounts and chase the best rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-620535a elementor-widget elementor-widget-heading\" data-id=\"620535a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Cutting-edge APYs<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29a2c9e elementor-widget elementor-widget-text-editor\" data-id=\"29a2c9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At any given moment, there are a few banks that are pushing the APYs higher than anyone else. They\u2019re doing this as a promotional strategy to attract more customers. Some of these banks keep pace with changing interest rates, and some of them don\u2019t.<\/p><p>While we don\u2019t consider it worth the effort to chase an extra 0.1% on our APY, these banks are an option if you\u2019re looking to maximize the APY on your savings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d747d9f elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"d747d9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tBudgeting is unsustainable. Start \u201cConscious Spending\u201d instead.\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-401a5f8 elementor-widget elementor-widget-text-editor\" data-id=\"401a5f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As seen on the <a class=\"notion-link-token notion-focusable-token notion-enable-hover\" tabindex=\"0\" href=\"https:\/\/www.iwillteachyoutoberich.com\/podcast\/\" rel=\"noopener noreferrer\" data-token-index=\"1\"><span class=\"link-annotation-unknown-block-id-1030816302\">IWT podcast<\/span><\/a>, my Conscious Spending Plan helps you buy the things you love, guilt-free.<!-- notionvc: f5c3fbcd-4b12-4117-a1a5-a8dcd68c42c2 --><br \/><!-- notionvc: 8038c18d-257f-4588-aaae-c8c7837996d7 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element 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id=\"wpforms-53456-field_19\">When you sign up, I'm also going to send you my newsletter full of my best money advice for free.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53456\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59333\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/best-savings-account\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53456\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the plan (free)\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the plan (free)<\/button><img decoding=\"async\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-765cb19 elementor-widget elementor-widget-heading\" data-id=\"765cb19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The 2-Step Process To Choosing The Best Online Savings Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c60ccc elementor-widget elementor-widget-text-editor\" data-id=\"3c60ccc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Step 1: Check the banks that you currently have accounts with and see if they have competitive savings accounts. If the APY is comparable to the accounts we listed above, stick with your current bank.<\/span><\/p><p><span style=\"font-weight: 400;\">Step 2: Otherwise, pick an account from this list:<\/span><\/p><ul><li><a href=\"https:\/\/www.discover.com\/online-banking\/savings-account\/\"><span style=\"font-weight: 400;\">Discover Online Savings Account<\/span><\/a><\/li><li><a href=\"https:\/\/www.ally.com\/bank\/online-savings-account\/\"><span style=\"font-weight: 400;\">Ally savings account<\/span><\/a><\/li><li><a href=\"https:\/\/www.marcus.com\/us\/en\/savings\"><span style=\"font-weight: 400;\">Marcus by Goldman Sachs<\/span><\/a><\/li><li><a href=\"https:\/\/www.americanexpress.com\/personalsavings\/home.html\"><span style=\"font-weight: 400;\">American Express savings account<\/span><\/a><\/li><li><a href=\"https:\/\/www.banking.barclaysus.com\/online-savings.html\"><span style=\"font-weight: 400;\">Barclays savings account<\/span><\/a><\/li><li><a href=\"https:\/\/www.synchronybank.com\/banking\/high-yield-savings\/\"><span style=\"font-weight: 400;\">Synchrony savings account<\/span><\/a><\/li><\/ul><p>Try to pick an account from a bank that you foresee doing other business with. For example, Ally has car loans, and Discover has their credit cards.<\/p><div style=\"all: initial;\"><div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bf47a5 elementor-widget elementor-widget-heading\" data-id=\"4bf47a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What About Sub-Savings Accounts?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cba469 elementor-widget elementor-widget-text-editor\" data-id=\"8cba469\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>One of our favorite savings account tricks is to open \u201c<strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/tip-using-sub-savings-accounts-for-unexpected-expenses\/\">sub-saving accounts<\/a><\/strong>\u201d. This allows us to easily budget for bigger purchases by saving a little bit each month. We can also track everything by separating all the accounts.<\/p><p>For example, I have these categories in my own savings account:<\/p><ul><li aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/emergency-fund\/\"><strong>Emergency fund<\/strong><\/a><\/li><li aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/save-money-for-house\/\"><strong>House down payment<\/strong><\/a><\/li><li aria-level=\"1\">Mini-retirement<\/li><li aria-level=\"1\">Christmas gifts<\/li><li aria-level=\"1\">Annual vacation<\/li><\/ul><p>Each month, money goes into each of these separate accounts with the automatic transfers that I set up. And I can easily see how much I\u2019ve saved towards my goals. One of those goals is to take a few vacations every year, check out this video to help you plan one and enjoy it guilt free:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-221950c elementor-widget elementor-widget-video\" data-id=\"221950c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/mZ5lxacBE5c?si=OKK45Nhdsc4QxLSI&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e643516 elementor-widget elementor-widget-text-editor\" data-id=\"e643516\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">My savings accounts used to look like this back before ING Direct was bought by Capital One:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f4188b elementor-widget elementor-widget-image\" data-id=\"6f4188b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"475\" height=\"338\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image2-5.jpg\" class=\"attachment-medium_large size-medium_large wp-image-83839\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image2-5.jpg 475w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image2-5-300x213.jpg 300w\" sizes=\"(max-width: 475px) 100vw, 475px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6913d5 elementor-widget elementor-widget-text-editor\" data-id=\"d6913d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Here\u2019s a more current example in Ally:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0448a81 elementor-widget elementor-widget-image\" data-id=\"0448a81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"196\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image3-768x196.png\" class=\"attachment-medium_large size-medium_large wp-image-83840\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image3-768x196.png 768w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image3-300x76.png 300w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image3.png 1024w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e5a504 elementor-widget elementor-widget-text-editor\" data-id=\"7e5a504\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Some savings accounts will call these \u201csub-accounts,\u201d and everything will be part of the same savings account. This is a rare feature to find, though.<\/span><\/p><p><span style=\"font-weight: 400;\">For everyone else, simply open up multiple savings accounts under the same bank login. You can <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-many-savings-accounts-should-i-have\/\">easily have 5-10 accounts at the same bank<\/a><\/strong><span style=\"font-weight: 400;\">. Then treat each account for whatever saving category you like.<\/span><\/p><p><span style=\"font-weight: 400;\">This means you can get \u201csub-accounts\u201d at any bank, even if they don\u2019t have a \u201csub-account\u201d feature.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-250f222 elementor-widget elementor-widget-heading\" data-id=\"250f222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Don\u2019t Chase Yields<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb9fa2 elementor-widget elementor-widget-text-editor\" data-id=\"4fb9fa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Look, there\u2019s always a bank that has a slightly higher APY. Banks use it as a promotion strategy to get more accounts, so it\u2019s always changing.<\/p><p>Regularly researching new APY rates, looking for that extra 0.05% APY, opening accounts, and transferring money all over the place wastes more time than it\u2019s worth.<\/p><p>Don\u2019t be a rate-chaser.<\/p><p>Remember\u00a0<a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-big-wins-manifesto\/\"><strong>IWT\u2019s philosophy of big wins<\/strong><\/a>: Focus on the major wins that really move the needle and forget about the small stuff. Chasing higher APYs on savings accounts definitely falls into the \u201csmall stuff\u201d category.<\/p><p>Pick a savings account that has a competitive APY from a bank that you trust for the long term. Then stick to that decision and work on improving other areas of your life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2c3f73 elementor-widget elementor-widget-heading\" data-id=\"c2c3f73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Money Market Accounts vs. Savings Accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2efcf9c elementor-widget elementor-widget-text-editor\" data-id=\"2efcf9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The difference between\u00a0<strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-money-market-rates\/\">money market accounts<\/a><\/strong>\u00a0and savings accounts can be pretty confusing.<\/p><p>That\u2019s because there\u2019s no practical difference.<\/p><p>Here are the similarities:<\/p><ul><li aria-level=\"1\">The APY tends to be the same between both types of accounts<\/li><li aria-level=\"1\">You can withdraw up to 6 times per month<\/li><li aria-level=\"1\">Some have ATM cards, some don\u2019t<\/li><li aria-level=\"1\">Some have minimums, and some don\u2019t<\/li><li aria-level=\"1\">Both are FDIC-insured<\/li><\/ul><p>Basically, they\u2019re the same account. If your bank offers a money market account with no maintenance fees, no minimum, and a competitive APY, feel free to use it.<\/p><p>Now for the confusing part: money market <strong>funds<\/strong> (different from money market <strong>accounts<\/strong>) are completely different. They\u2019re part of brokerage accounts and allow you to place cash while you wait to invest it. Since money market funds are not FDIC-insured, it\u2019s not a good habit to store lots of cash in them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-634ba45 elementor-widget elementor-widget-heading\" data-id=\"634ba45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When To Get Savings Accounts From Multiple Banks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e1a9fb elementor-widget elementor-widget-text-editor\" data-id=\"5e1a9fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you ask high-net-worth folks which savings account they have, sometimes they\u2019ll list off half a dozen different banks.<\/p><p>At first, this makes no sense. Why all the extra complexity and different accounts?<\/p><p>There\u2019s one reason: FDIC insurance limits.<\/p><p>Most people are limited to $250,000 worth of insurance at any given bank. Joint accounts and accounts across different categories (like retirement accounts) can increase this limit, but that only goes so far. If you have a substantial amount of cash, the only way to keep it insured is to\u00a0<strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-many-savings-accounts-should-i-have\/\">open up savings accounts across several banks<\/a><\/strong>.<\/p><p>That\u2019s why folks will start opening up savings accounts across multiple banks.<\/p><p>If you have multiple savings accounts to manage,\u00a0<strong><a href=\"https:\/\/www.maxmyinterest.com\/\">Max<\/a><\/strong>\u00a0will automatically move balances around your accounts to optimize for the highest APY while keeping all your cash insured. They do charge a 0.08% annual fee for the service.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36021fb elementor-widget elementor-widget-heading\" data-id=\"36021fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions About Online Savings Accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c79fa37 elementor-widget elementor-widget-heading\" data-id=\"c79fa37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are online savings accounts safe?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ee7730 elementor-widget elementor-widget-text-editor\" data-id=\"7ee7730\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Online savings accounts offered by reputable financial institutions are generally safe. Look for banks that are FDIC-insured, which means your deposits are protected up to the maximum limit allowed by law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f0f7ed elementor-widget elementor-widget-heading\" data-id=\"2f0f7ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are the pros and cons of high-yield savings accounts?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94eef5b elementor-widget elementor-widget-text-editor\" data-id=\"94eef5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>High-yield savings accounts offer several advantages, including competitive interest rates that help your savings grow faster, safety through FDIC or NCUA insurance, easy accessibility to funds, and low or no fees. However, there are a few drawbacks to consider. Interest rates can fluctuate; limiting the number of transactions or withdrawals per month is common, and the returns may be lower compared to long-term investments. Additionally, some high-yield savings accounts are offered exclusively online.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3ca9c9 elementor-widget elementor-widget-heading\" data-id=\"e3ca9c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How many savings accounts can you have?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-334a9b1 elementor-widget elementor-widget-text-editor\" data-id=\"334a9b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">There&#8217;s no limit to the number of savings accounts you can have. It&#8217;s all about what makes sense for your financial goals and organization strategy. Some people open multiple accounts to earmark funds for specific purposes like emergency savings, vacations, or big purchases. Just keep an eye on any minimum balance requirements or fees to ensure you&#8217;re not spreading your funds too thin. Managing multiple accounts wisely can be a powerful tool in achieving your financial objectives.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20a83b8 elementor-widget elementor-widget-heading\" data-id=\"20a83b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How much money should I keep in my savings account?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8304290 elementor-widget elementor-widget-text-editor\" data-id=\"8304290\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A savings account is where you stash cash not meant for daily expenses. Ideal for your emergency fund or saving towards goals like a holiday or home down payment. The right amount in your savings depends on your individual goals. Unlike <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-checking-account\/\"><span style=\"font-weight: 400;\">checking accounts<\/span><\/a><span style=\"font-weight: 400;\">, savings accounts earn interest, rewarding you for storing your money there. The better the interest rate, the quicker your savings increase.<\/span><\/p><p><span style=\"font-weight: 400;\">This makes choosing the best savings accounts a critical step for anyone aiming to maximize their savings growth efficiently.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf639e1 elementor-widget elementor-widget-heading\" data-id=\"bf639e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is the highest interest savings account?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-777c514 elementor-widget elementor-widget-text-editor\" data-id=\"777c514\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The highest interest rates for savings accounts often come from online banks, which can offer more competitive rates than traditional brick-and-mortar banks due to lower overhead costs. High-yield savings accounts might offer rates significantly above the national average, but these rates can fluctuate with the market. To find the highest interest rates, it&#8217;s essential to shop around and check the latest offers, as they can change frequently based on economic conditions.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c3c133 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"0c3c133\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ecd4bc\" data-id=\"6ecd4bc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5eaee90 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"5eaee90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my New York Times Bestselling book\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2c5edd elementor-widget elementor-widget-text-editor\" data-id=\"e2c5edd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can read the first chapter for free \u2013 just tell me where to send it:<!-- notionvc: 6fc3599b-6269-4e37-8498-fe07d0e2dc5e 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wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53529-field_19\">When you sign up, I'm also going to send you my newsletter full of my best money advice for free.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53529\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59333\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/best-savings-account\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53529\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Download My Free First Chapter\" aria-live=\"assertive\" value=\"wpforms-submit\">Download My Free First Chapter<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d05bc7b elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"d05bc7b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-105ec9e\" data-id=\"105ec9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>My quick answer: Ally Bank, Marcus by Goldman Sachs, and American Express are the three best savings accounts. Pick any one of them after reading through the specifics and move on with your day\u2014you\u2019re making a smart choice any way you go. The Best Savings Accounts That Actually Deliver (Ranked) These accounts are designed for [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":121021,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"yes","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-59333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=59333"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59333\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/121021"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=59333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=59333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}