Both pay higher rates than you'll find in a regular savings account, so you can earn money on top of your money. Your choice between a high-yield savings account and money market account could come down to which pays a higher rate at the bank you want to use. Money market accounts also typically make it easier to access your funds by sending you checks or a debit card, which may come in handy in an emergency.
Once you have a job and are bringing in income, you can look into paying off any credit card debt you've built during the pandemic, Orman said. It's rare that you'll hear a financial expert tell you to put money on a credit card unless you're paying off your bill in full every month. Credit cards come with high interest rates, which makes for extremely expensive debt — so paying off your balance can become a burden. But extreme times may call for extreme measures.
Counterpoint about the aftermath of using credit cards for everyday expenses while trying to save cash:
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