Opinion

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Finance

Your Emergency Fund Is Paying You 5% to Do Nothing

High-yield savings accounts are paying close to 5% APY, making the fully funded emergency reserve more rational than it has been in over a decade. The real risk is not holding too much cash. It is selling investments at the worst possible moment because you did not hold enough.

By Marcus Cole · 3 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