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FinanceThe Split
Ray VegaRay Vega

Your Emergency Fund Is Probably Too Big

Marcus ColeMarcus Cole

Your Emergency Fund Is Paying You 5% to Do Nothing

Finance

Your Emergency Fund Is Losing Money and the Fix Takes 15 Minutes

The average savings account pays 0.39% APY. Inflation runs at 2.4%. That arithmetic is not caution — it's a guaranteed annual loss on money you worked to save. In 2026, the tools to fix it are paying up to 5.00% APY with zero credit risk.

By Marcus Cole · 4 min read

Finance

The High-Yield Savings Window Is Still Open. Stop Waiting to Walk Through It

High-yield savings accounts are paying around 4% APY right now. The national average is 0.39%. The Fed just paused rate cuts, meaning this window is still open. Here is why your current bank is counting on you to do nothing, and what to do instead.

By Sadie Park · 4 min read