High-yield savings accounts are the first step to start managing money - Business Insider

Since I got my first job at personal finance publication LearnVest years ago, I've been a bit of a personal finance nerd. Though I'm far from an expert, friends and family often come to me with this question:You could start by tracking your spending, setting up a budget, or opening an investment account for a goal you're saving for.

It's important to note that there are no guarantees when it comes to interest rates on high-yield savings accounts. When the Federal Reserve lowers interest rates, banks are likely to follow suit — but that doesn't meanOpening a high-yield savings account is a great first step for a few reasonsA lot of aspects of personal finance are intimidating.

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