i thought my worst fear was missing a credit card payment but i found out there are ppl my age that just keep over $10k in a savings account...

did you know your bank is quietly profiting off the money you worked hard to save? if your cash is just sitting in a regular savings or checking account, you’re basically letting them borrow it for free while paying you next to nothing back the fix: move it into a HYSA (high yield savings account). it’s the same FDIC insured safety as your regular bank, just actually paying you for once i keep mine with SoFi and it’s added up to an extra $100+ every single month, no effort, no risk setup is stupid easy too, maybe 2-5 min tops, and they will literally pay YOU just for signing up comment HYSA and i’ll drop you the link, right now you can lock in 3.8% APY plus up to $400 free cash just for opening one once your emergency fund is parked there earning real interest, that’s when you start thinking about investing, Roth IRA, brokerage, whatever’s next for you follow @ijamescovaa for more ways to make your money actually work for you