If you have a steady job and a reliable paycheck, you should keep atin an emergency fund. If your household expenses are $3,000 per month, that means you should have $9,000 to $18,000 in emergency savings.
I had savings accounts at big banks like KeyBank, Wells Fargo, Chase, and US Bank while growing up and going to college. But after I started earning a serious income with my first full-time job after college, I started hunting for better rates and lower fees. The interest rates at my various high-yield savings accounts vary , but the one with the lowest interest rate as of this writing earns 1.60% — 160 times what's available at big banks. The highest rate is 1.90%, or 190 times as much.
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