Anonymous #2 5d

But its also cause i spend barely any money except for yarn to crochet with and alcohol and some loans😭

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Anonymous #3 5d

Small business but i dont make much from that now with school but i work at a restaurant too😭

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Anonymous #5 5d

I dont know how to do that or anything ab that😭

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Anonymous OP 5d

girl its so easy omg ✋😭you shouldn't just have ur money sitting in ur debit card like thay. I personally really like Marcus and they're who I use, but i also like discover's saving account cause i can transfer my money between my discover accounts quicker. But to get an account, start with doing a bit of research on different companies and pick ur fav (or u can just ask the girlies here who they like and go from there also), then you just apply (which is pretty easy, u can do it online) -

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Anonymous #1 5d

- you'll probably need to unfreeze ur credit before you apply (u can freeze ur credit through equifax, transunion and experian) DISCLAIMER: if you've never touched either of these before you wont need to worry about unfreezing ur credit but PLEASEE after u apply and get approved go into each ones website, make an account and freeze ur credit! Anyways, you just apply and then u can link ur debit (or checking bank) to ur savings account and transfer some money to ur savings. Most companies have -

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Anonymous #1 5d

- a minimum requirement on how much money you should have in ur savings account. But the longer u have money in there the more interest you gain. Ive been with marcus for like 4-5 ish years now i think and i think im making around $20 of interest last i checked? 🤔 but you can find the starting percentage and shit on their website

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Anonymous #1 5d

this is a very good overview. I have my high yield savings account with etrade and I make about $20 a month in interest on about $6k

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Anonymous #5 5d

Capital One also has a good HYSA just for more recs!!

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Anonymous #1 5d

Also thank you im literally gonna look into all of that this weekend

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Anonymous #5 4d

Right, either that or a money management account from a place like fidelity…. I get 4% or 2.5% if you use the FDIC insured account.

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Anonymous #8 4d

i also have fidelity and i really like it! but i always forget to actually invest my money 💀🙏 u should look into fidelity too OP

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Anonymous #1 4d

Ooo, nice. I love fidelity too. For my retirement I use a Roth IRA with Fidelity Go and a Growth/70% stock strat. For my “savings” and checking, I use two MMAs invested in SPAXX. For my spending I use the fidelity 2% CC and pay it in full every month.

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Anonymous #8 4d

i have fidelity's roth ira too 🙂‍↕️ i really like it, for my savings i have one with marcus and discover (i cant tell yall the apr off the top of my head though), checking account with discover and cc with discover, capital one and costco cause of the rewards 🙏

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Anonymous #1 4d

Oooo not bad, used to use Marcus but they wouldn’t verify my third party accounts so I closed it

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Anonymous #8 4d

ugh thats fucked ✋😔 sorry to hear that bro. I also do a bit of crypto investing on the side cause i thought it would be funny to invest in doge coin a couple years ago and its grown to like $200 🙂‍↕️

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