When it comes to building an emergency fund or saving up for a large expense, a high-yield savings account can help you reach your goals quicker. We analyzed and compared dozens of savings accounts offered by online and brick-and-mortar banks to determine the 12 best banks of 2024 that offer high interest accounts with no fees.
Key Takeaways:
- High-yield savings accounts can help you reach your financial goals faster.
- Our analysis uncovered the 12 best banks of 2024 that offer high interest accounts with no fees.
- Consider factors such as annual percentage yield (APY), ease of use, and account accessibility when choosing a high-yield savings account.
- Ensure the account is FDIC-insured for added peace of mind.
- Explore the top picks for different features such as overall best, no fees, easy access, and more.
What is a High-Yield Savings Account?
A high-yield savings account is a type of savings account that offers a higher interest rate than a traditional savings account. With a high-yield savings account, your money has the potential to earn a greater return on investment compared to a standard savings account.
Unlike a traditional savings account, which typically offers an average annual percentage yield (APY) of around 0.42%, a high-yield savings account provides a much higher interest rate. This means that the money you deposit into a high-yield savings account has the opportunity to grow at a faster rate.
Investing in a high-yield savings account can be a wise financial decision for individuals who want to maximize their savings and achieve their financial goals more quickly.
Benefits of High-Yield Savings Accounts
When it comes to saving money, high-yield savings accounts offer numerous advantages compared to traditional savings accounts. Here are some key benefits to consider:
1. Higher Interest Rates
One of the main reasons people choose high-yield savings accounts is the opportunity to earn higher interest rates. These accounts typically offer rates that are significantly higher than the national average APY of 0.42%. By keeping your money in a high-yield savings account, you can maximize your earning potential and make your savings work harder for you.
2. Compound Interest
High-yield savings accounts also provide the benefit of compound interest. This means that not only do you earn interest on your initial deposit, but you also earn interest on the interest that has already been added to your account. Over time, compound interest can significantly boost your savings and help you reach your financial goals sooner.
3. Better Returns
Compared to traditional savings accounts, high-yield savings accounts offer better returns, allowing you to grow your savings faster. The higher interest rates and compounding benefits can lead to substantial increases in your account balance over time. Whether you’re saving for a specific goal or building an emergency fund, a high-yield savings account can help you achieve your objectives more efficiently.
4. Lower Fees
Many high-yield savings accounts have lower fees compared to traditional savings accounts. This means you can keep more of your hard-earned money instead of paying it in unnecessary fees. Before opening an account, be sure to review the fee structure to ensure you’re choosing an account with minimal fees.
5. Higher Accessibility
High-yield savings accounts often offer higher accessibility, allowing you to access your funds when needed. Whether you prefer online banking or in-person transactions, many banks offer convenient features like online transfers, ATM access, and mobile banking apps. This makes it easy to manage and access your savings whenever and wherever you need them.
6. Lower Minimum Balance Requirements
Compared to some traditional savings accounts, high-yield savings accounts may have lower minimum balance requirements. This means you can open an account with a smaller initial deposit and maintain a lower balance without facing penalties or fees. This flexibility allows you to start saving and earning interest on your money even if you don’t have a large sum to begin with.
Overall, high-yield savings accounts offer a range of benefits that can help you grow your savings and achieve your financial goals faster. Whether it’s higher interest rates, compound interest, better returns, lower fees, increased accessibility, or lower minimum balance requirements, these accounts provide a solid foundation for building your wealth.
| Benefits | High-Yield Savings Accounts | Traditional Savings Accounts |
|---|---|---|
| Higher Interest Rates | ✅ | ❌ |
| Compound Interest | ✅ | ❌ |
| Better Returns | ✅ | ❌ |
| Lower Fees | ✅ | ❌ |
| Higher Accessibility | ✅ | ❌ |
| Lower Minimum Balance Requirements | ✅ | ❌ |
How to Choose the Best High-Yield Savings Account
When it comes to selecting a high-yield savings account, there are several important factors to consider. By evaluating these key aspects, you can make an informed decision and choose the best account to meet your financial goals.
Annual Percentage Yield (APY)
One of the most crucial factors to consider is the annual percentage yield (APY). The APY represents the interest you’ll earn on your savings over a year, expressed as a percentage. A higher APY means your money will grow faster, so be sure to compare rates when evaluating different accounts. Look for accounts with competitive APYs to maximize your earnings.
Ease of Use
Another important factor is the account’s ease of use. Consider the bank’s online and mobile banking platforms, as well as the availability of features such as mobile check deposit and bill pay. A user-friendly interface and convenient features can make managing your savings easier and more efficient.
Account Accessibility
When choosing a high-yield savings account, it’s essential to assess its accessibility. Determine how easily you can access your funds when needed. Look for accounts that offer options like ATM access, debit cards, and online transfers. This accessibility ensures that you can conveniently withdraw or transfer funds without any unnecessary restrictions.
Monthly Fees
Consider the account’s monthly fees, as they can eat into your savings over time. Some high-yield savings accounts have no monthly fees, while others may charge fees under certain circumstances. To avoid these charges, look for accounts that offer fee-free options.
Minimum Balance Requirements
Minimum balance requirements are another factor to evaluate. Some high-yield savings accounts have minimum balance requirements, which means you must maintain a certain amount of money in the account to avoid fees or qualify for higher interest rates. If you want flexibility and don’t want to worry about maintaining a minimum balance, look for accounts that have no or low balance requirements.
FDIC Insurance
Finally, it’s crucial to ensure that the high-yield savings account you choose is FDIC-insured. The Federal Deposit Insurance Corporation (FDIC) protects your deposits up to $250,000 per depositor, per insured bank. This insurance provides added security and peace of mind, knowing that your money is protected in case of bank insolvency.
“By considering factors such as APY, ease of use, account accessibility, monthly fees, minimum balance requirements, and FDIC insurance, you can confidently choose the best high-yield savings account to grow your savings.”
With these considerations in mind, take your time to research and compare different high-yield savings accounts. By finding the account that aligns with your needs and preferences, you can make the most of your savings and achieve your financial goals.
| Factors to Consider | Account A | Account B | Account C | Account D |
|---|---|---|---|---|
| Annual Percentage Yield (APY) | 2.5% | 2.2% | 2.8% | 2.4% |
| Ease of Use | ||||
| Account Accessibility | ||||
| Monthly Fees | No fees | $5 per month | No fees | $2 per month |
| Minimum Balance Requirements | No minimum balance | $1,000 minimum balance | No minimum balance | $500 minimum balance |
Best Overall: LendingClub High-Yield Savings
When it comes to finding the best overall high-yield savings account, look no further than LendingClub High-Yield Savings. With its impressive features and benefits, this account stands out from the competition.
First and foremost, LendingClub High-Yield Savings offers a strong Annual Percentage Yield (APY) that allows your money to grow faster. By earning a higher interest rate compared to traditional savings accounts, you can maximize your savings and reach your financial goals sooner.
One of the standout advantages of LendingClub High-Yield Savings is its lack of a minimum balance requirement. Many other high-yield savings accounts impose minimum balance restrictions, making it difficult for individuals to start saving or maintain their accounts. However, with LendingClub, you have the flexibility to save and withdraw funds as needed.
In addition to the absence of a minimum balance requirement, LendingClub High-Yield Savings does not charge any monthly fees. This means that your hard-earned savings won’t be depleted by unnecessary charges, allowing you to keep more of your money.
Furthermore, LendingClub provides a free ATM card, ensuring easy access to your funds whenever you need them. Whether you’re making a withdrawal or checking your balance, having an ATM card at your disposal simplifies the banking experience and provides convenience.
To summarize, LendingClub High-Yield Savings is the best overall choice for individuals seeking a high-yield savings account. With its strong APY, no minimum balance requirement, no monthly fees, and free ATM card, this account offers the perfect combination of growth potential, flexibility, and accessibility.
Choose LendingClub High-Yield Savings to make the most of your savings and achieve your financial goals.
Runner-up: UFB Secure Savings
When it comes to finding the right high-yield savings account, UFB Secure Savings is a top contender. With its competitive APY, no minimum balance requirement, no monthly fees, and a free ATM card, this account offers a secure and accessible way to earn a high return on your savings.
UFB Secure Savings understands the importance of easy access to your cash. Whether you need to withdraw funds for an emergency or make a quick purchase, the free ATM card allows you to conveniently access your money whenever you need it.
Here are the key features of UFB Secure Savings:
| Features | Description |
|---|---|
| Annual Percentage Yield (APY) | Competitive APY that helps your money grow faster. |
| Minimum Balance Requirement | No minimum balance required to open or maintain the account. |
| Monthly Fees | No monthly fees to worry about. |
| Free ATM Card | Conveniently access your funds with a free ATM card. |
With these features, UFB Secure Savings is an ideal choice for individuals who want to earn a high return while maintaining easy access to their cash.
Customer Testimonial:
“I’ve been a UFB Secure Savings account holder for over a year now, and I couldn’t be happier with the service. The competitive APY and no fees make it a great choice for anyone looking to grow their savings without any hassle. The free ATM card also comes in handy when I need to access my funds on the go. Highly recommended!” – Sarah, UFB Secure Savings customer
With UFB Secure Savings, you can have peace of mind knowing that your money is not only secure but also working hard for you.
Best for Earning a High APY: Western Alliance Bank Savings Account
If you’re looking to earn a high Annual Percentage Yield (APY) on your savings, the Western Alliance Bank Savings Account is an excellent choice. With an impressive APY of 5.20%, this account offers one of the highest interest rates available in the market today.
But it’s not just about the high APY. The Western Alliance Bank Savings Account also stands out for its customer-friendly features. With a minimal minimum deposit requirement of just $1, you can start earning competitive interest on your savings, no matter how small your initial investment is.
Another great advantage of this savings account is that it doesn’t charge any monthly fees. You can keep more of your hard-earned money without worrying about hidden costs or maintenance fees eating into your savings.
Whether you’re saving for a short-term goal or a long-term investment, the Western Alliance Bank Savings Account provides an opportunity to maximize your returns without any unnecessary fees weighing you down.
Key Features:
- High APY of 5.20%
- Low minimum deposit requirement of $1
- No monthly fees
Take advantage of this high-yield savings account to grow your savings faster and achieve your financial goals sooner. Open an account with Western Alliance Bank today!
| Benefits | Details |
|---|---|
| High APY | 5.20% |
| Minimum Deposit Requirement | $1 |
| Monthly Fees | None |
Best for No Fees: Marcus by Goldman Sachs High Yield Online Savings
When it comes to high-yield savings accounts with no fees, Marcus by Goldman Sachs High Yield Online Savings takes the top spot. Not only does it offer a competitive Annual Percentage Yield (APY), but it also provides a hassle-free banking experience with no minimum balance or deposit requirements, no monthly fees, and unlimited withdrawals or transfers.
With no fees eating into your savings, you can maximize your returns and watch your money grow. Whether you’re saving for a specific goal or simply want to build up an emergency fund, Marcus by Goldman Sachs High Yield Online Savings provides the features you need.
“With Marcus by Goldman Sachs High Yield Online Savings, you can enjoy the benefits of a high-yield savings account without dealing with the burden of fees. It’s a win-win for savers looking to make the most of their hard-earned money.”
Here are some key features of Marcus by Goldman Sachs High Yield Online Savings:
- Competitive APY: The account offers an attractive APY, allowing your savings to grow faster.
- No minimum balance or deposit requirements: You can open an account with any amount and start earning interest.
- No monthly fees: You won’t be charged any monthly maintenance fees, ensuring that your savings stay intact.
- Unlimited withdrawals or transfers: You have the flexibility to access your funds whenever you need them.
With Marcus by Goldman Sachs High Yield Online Savings, you can rest assured that your money is in safe hands. As a division of Goldman Sachs Bank USA, it is backed by the strength and stability of one of the world’s leading financial institutions.
So, if you’re looking for a high-yield savings account that won’t charge you any fees, Marcus by Goldman Sachs High Yield Online Savings is the ideal choice to grow your savings without any unnecessary costs.
Best for Checking/Savings Combo: Ally Savings Account
If you’re looking for a seamless banking experience that combines your checking and savings accounts, look no further than the Ally Savings Account. With its competitive APY, convenient features, and no fees, this account offers the perfect balance for your financial needs.
With Ally Savings Account, you can enjoy the benefits of a high-yield savings account while also having access to a checking account for your day-to-day transactions. This makes it incredibly convenient to manage all your banking in one place, saving you time and effort. Plus, with no minimum balance or deposit requirements, you can start saving immediately without any barriers.
Why Choose Ally Savings Account?
- Strong APY: Ally offers a competitive interest rate on your savings, allowing your money to work harder for you.
- No Fees: You won’t have to worry about monthly maintenance fees eating into your savings. Ally Savings Account has no hidden fees or charges.
- Unlimited Withdrawals and Transfers: Need to access your funds? No problem. With Ally Savings Account, you have unlimited withdrawals and transfers, giving you the flexibility you need.
Ally has been a trusted name in online banking for years, providing customers with a secure and reliable platform for their financial needs. Its user-friendly interface, 24/7 customer support, and comprehensive online banking tools make managing your accounts effortless.
One of the best things about the Ally Savings Account is the checking/savings combo. It eliminates the hassle of managing multiple accounts and provides a convenient solution for all your banking needs.
So, whether you’re saving for a rainy day, a dream vacation, or a major purchase, the Ally Savings Account is the ideal choice for a checking/savings combo. Take advantage of the high interest rates, no fees, and unlimited flexibility to make the most of your money.
Best for Easy Access to Your Cash: Synchrony Bank High Yield Savings
If you prioritize easy access to your cash, look no further than Synchrony Bank High Yield Savings. This account offers the perfect combination of convenience and competitive APY, allowing you to grow your savings without sacrificing accessibility.
With Synchrony Bank High Yield Savings, you can enjoy:
- No minimum balance or deposit requirements
- No monthly fees
- Easy online account management
Having no minimum balance or deposit requirements means you can start saving without any barriers. Whether you’re just beginning your savings journey or already have a substantial amount, this account is designed to accommodate your needs.
Eliminating monthly fees ensures that your savings won’t be eroded by unnecessary charges. Every dollar you save can go towards achieving your financial goals, without any deductions eating into your progress.
To make managing your finances even more convenient, Synchrony Bank provides intuitive online account management tools. You can easily access your account, track your savings growth, and make transfers whenever and wherever it’s convenient for you.
“The ease of use and accessibility of Synchrony Bank High Yield Savings make it my top choice for those looking for quick and streamlined access to their cash while earning a competitive APY.”
Whether you need to withdraw funds for an unexpected expense or access your savings for a planned purchase, Synchrony Bank High Yield Savings ensures that your money is readily available.
| Key Features | Details |
|---|---|
| Minimum Balance Requirement | No minimum balance or deposit requirements |
| Monthly Fees | No monthly fees |
| Online Account Management | Easy and convenient online account management |
| Annual Percentage Yield (APY) | Competitive APY |
If easy access to your cash is a top priority, Synchrony Bank High Yield Savings is the ideal choice for you. Start maximizing your savings and enjoy the freedom to manage your funds without any unnecessary restrictions.
Best for Earning Airline Miles: Bask Bank Mileage Savings Account
If you’re a frequent traveler and want to earn airline miles while saving money, the Bask Bank Mileage Savings Account is the perfect choice for you. With its competitive APY and exclusive partnership with American Airlines, this account offers a unique opportunity to grow your savings while working towards your travel goals.
With the Bask Bank Mileage Savings Account, you not only earn interest on your savings but also have the chance to earn valuable American Airlines AAdvantage® miles. For every dollar saved in your Bask Bank account, you’ll earn one AAdvantage® mile. This means that as your balance grows, so does your mileage total, bringing you closer to your dream vacation or upgraded flight.
The Bask Bank Mileage Savings Account not only offers the opportunity to earn airline miles but also provides the same benefits as a traditional high-yield savings account. You’ll enjoy a competitive APY, ensuring that your savings grow faster than with a regular savings account. Plus, with no minimum balance requirements, you have the flexibility to save as much or as little as you like.
Key Features of the Bask Bank Mileage Savings Account:
- No minimum balance requirement
- No monthly fees
- Earns American Airlines AAdvantage® miles
- Competitive APY
- Fully FDIC insured
The Bask Bank Mileage Savings Account is an excellent option for travelers who want to make the most of their savings. Not only can you grow your funds with a competitive APY, but you can also earn airline miles to make your travel dreams a reality. Start saving with the Bask Bank Mileage Savings Account today and watch your savings and mileage balance take off!
| Pros | Cons |
|---|---|
| – Opportunity to earn American Airlines AAdvantage® miles | – Limited to earning miles with American Airlines |
| – Competitive APY | – Only available for U.S. residents |
| – No minimum balance requirements | – Limited account features compared to traditional savings accounts |
| – No monthly fees | |
| – Fully FDIC insured |
Best for Welcome Bonus: SoFi Checking and Savings
When it comes to finding the best high-yield savings account, SoFi Checking and Savings stands out as the top choice for those seeking a welcome bonus. This account not only offers a competitive APY, but it also provides a range of features and benefits that make it an attractive option for new customers.
With SoFi Checking and Savings, you can enjoy the convenience of having both a checking and savings account in one place. This means you can seamlessly manage your day-to-day transactions while maximizing your savings potential. Plus, with no monthly fees or minimum balance requirements, you have the freedom to grow your money without any unnecessary costs.
One of the standout features of SoFi Checking and Savings is its welcome bonus. For new customers who meet the eligibility requirements, a generous bonus is offered as a way to kickstart your savings journey. This bonus can provide a valuable boost to your initial deposit, helping you get closer to your financial goals even faster.
But that’s not all. SoFi Checking and Savings also offers a suite of additional perks, such as mobile banking options, ATM fee reimbursements, and access to member-exclusive events and benefits. This makes it more than just a savings account—it’s a comprehensive financial solution designed to support your financial well-being.
If you’re looking for a high-yield savings account that not only offers competitive returns but also provides a welcome bonus and a range of additional features, SoFi Checking and Savings is the perfect choice. Start maximizing your savings potential today and experience the benefits of this exceptional account.
Note: The image above is a visual representation of SoFi Checking and Savings. The actual interface and features may vary.
Conclusion
In conclusion, choosing the best high-yield savings account requires careful consideration of several factors. The 12 banks mentioned in this article provide enticing options for individuals looking to maximize their savings and simplify their finances.
When selecting a high-yield savings account, it is crucial to assess the annual percentage yield (APY), as it determines the interest rate you will earn on your money. Additionally, examining fees, accessibility, and account features is essential to ensure that the chosen account aligns with your financial goals and preferences.
By opting for one of the banks featured in this article, which offer high interest accounts with no fees, you can take advantage of competitive APYs while avoiding unnecessary charges. These accounts empower you to grow your savings efficiently, whether you are establishing an emergency fund or saving for a significant future expense.
Ultimately, the highlighted banks provide a range of high-yield savings account options, catering to different needs and financial preferences. Selecting one of these banks can set you on the path to achieving your financial objectives, bolstering your savings, and securing your financial future.
FAQ
What is a high-yield savings account?
A high-yield savings account is a type of savings account that offers a higher interest rate than a traditional savings account. The interest earned on a high-yield savings account is typically higher than the national average APY of 0.42%, allowing your money to grow faster.
What are the benefits of high-yield savings accounts?
High-yield savings accounts offer several benefits, including higher interest rates, compound interest, and better returns compared to traditional savings accounts. These accounts also often have lower fees, higher accessibility, and lower minimum balance requirements.
How do I choose the best high-yield savings account?
When choosing the best high-yield savings account, consider factors such as the annual percentage yield (APY), ease of use, account accessibility, monthly fees, and minimum balance requirements. It’s also important to ensure that the account is FDIC-insured for added security.
Which is the best overall high-yield savings account?
LendingClub High-Yield Savings is our top pick for the best overall high-yield savings account. It offers a strong APY, no minimum balance requirement, no monthly fees, and a free ATM card for easy access to your funds.
What is the runner-up choice for the best high-yield savings account?
UFB Secure Savings is our runner-up choice, offering a competitive APY, no minimum balance requirement, no monthly fees, and a free ATM card. This account is ideal for anyone who wants to earn a high return while maintaining easy access to their cash.
Which bank offers one of the highest interest rates for high-yield savings accounts?
The Western Alliance Bank Savings Account offers one of the highest interest rates currently available at 5.20% APY. With a low minimum deposit requirement of
FAQ
What is a high-yield savings account?
A high-yield savings account is a type of savings account that offers a higher interest rate than a traditional savings account. The interest earned on a high-yield savings account is typically higher than the national average APY of 0.42%, allowing your money to grow faster.
What are the benefits of high-yield savings accounts?
High-yield savings accounts offer several benefits, including higher interest rates, compound interest, and better returns compared to traditional savings accounts. These accounts also often have lower fees, higher accessibility, and lower minimum balance requirements.
How do I choose the best high-yield savings account?
When choosing the best high-yield savings account, consider factors such as the annual percentage yield (APY), ease of use, account accessibility, monthly fees, and minimum balance requirements. It’s also important to ensure that the account is FDIC-insured for added security.
Which is the best overall high-yield savings account?
LendingClub High-Yield Savings is our top pick for the best overall high-yield savings account. It offers a strong APY, no minimum balance requirement, no monthly fees, and a free ATM card for easy access to your funds.
What is the runner-up choice for the best high-yield savings account?
UFB Secure Savings is our runner-up choice, offering a competitive APY, no minimum balance requirement, no monthly fees, and a free ATM card. This account is ideal for anyone who wants to earn a high return while maintaining easy access to their cash.
Which bank offers one of the highest interest rates for high-yield savings accounts?
The Western Alliance Bank Savings Account offers one of the highest interest rates currently available at 5.20% APY. With a low minimum deposit requirement of $1 and no monthly fees, this account is perfect for those looking to maximize their returns.
Which bank offers a high-yield savings account with no fees?
Marcus by Goldman Sachs High Yield Online Savings is our top choice for no fees. It offers a competitive APY, no minimum balance or deposit requirements, no monthly fees, and unlimited withdrawals or transfers.
What is the best high-yield savings account for a checking/savings combo?
Ally Savings Account is the best choice for a checking/savings combo. With a strong APY, no minimum balance or deposit requirements, no monthly fees, and unlimited withdrawals or transfers, this account is ideal for those looking to do all their banking in one place.
Which bank offers the best high-yield savings account for easy access to your cash?
Synchrony Bank High Yield Savings is the best option for easy access to your cash. With a competitive APY, no minimum balance or deposit requirements, no monthly fees, and easy online account management, this account makes it simple to access your savings whenever you need it.
What is the best high-yield savings account for earning airline miles?
Bask Bank Mileage Savings Account is the best choice for earning airline miles. With a competitive APY and the opportunity to earn American Airlines miles, this account allows you to grow your savings while also working towards your travel goals.
Which bank offers the best high-yield savings account with a welcome bonus?
SoFi Checking and Savings is the best option for a welcome bonus. In addition to offering a strong APY, no monthly fees, and no minimum balance requirements, this account also provides a welcome bonus to new customers.
and no monthly fees, this account is perfect for those looking to maximize their returns.
Which bank offers a high-yield savings account with no fees?
Marcus by Goldman Sachs High Yield Online Savings is our top choice for no fees. It offers a competitive APY, no minimum balance or deposit requirements, no monthly fees, and unlimited withdrawals or transfers.
What is the best high-yield savings account for a checking/savings combo?
Ally Savings Account is the best choice for a checking/savings combo. With a strong APY, no minimum balance or deposit requirements, no monthly fees, and unlimited withdrawals or transfers, this account is ideal for those looking to do all their banking in one place.
Which bank offers the best high-yield savings account for easy access to your cash?
Synchrony Bank High Yield Savings is the best option for easy access to your cash. With a competitive APY, no minimum balance or deposit requirements, no monthly fees, and easy online account management, this account makes it simple to access your savings whenever you need it.
What is the best high-yield savings account for earning airline miles?
Bask Bank Mileage Savings Account is the best choice for earning airline miles. With a competitive APY and the opportunity to earn American Airlines miles, this account allows you to grow your savings while also working towards your travel goals.
Which bank offers the best high-yield savings account with a welcome bonus?
SoFi Checking and Savings is the best option for a welcome bonus. In addition to offering a strong APY, no monthly fees, and no minimum balance requirements, this account also provides a welcome bonus to new customers.
Our Friends
- https://www.cnbc.com/select/best-high-yield-savings-accounts/
- https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/
- https://www.cnet.com/personal-finance/banking/savings/the-best-no-fee-savings-accounts/
Money posts:
Vio Bank Review (2024)
Quontic Bank Review (2024)
Oxygen Bank Review – The Elements of Banking
The Best Business Bank Accounts of 2024
Wells Fargo Promotions and Bonuses 2024
What is a Checking Account and How Does It Work?
What Is Compound Interest? | Make Money Doing Nothing
Investing Your Emergency Fund
