Anyone use Milli or Poppy Bank for high APY?

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I used apple savings and now use Robinhood for high apy…never heard of those tho

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Unless you are in a no tax state AND have a large amount of money you want in cash savings I wouldn't bother. You could just put most of it in short term tbills paying 5.3x% state tax free and the rest in a 5% MMF without going through the hassle of creating a new account at an entity I've never heard of.

I'm sure they are FDIC insured but how easy is it to pull money, do they charge any fees, do transactions take longer to settle, what are the odds they'll continue to continue to be top of HYSA rates, etc are questions I'd want to resolve before opening.

I do tbills because once you back out state tax benefit, even at just 5%, it is equivalent to earning 5.6% in a HYSA.

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Hello Fishes,

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If anyone needs a referral on below skills.
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Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

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401k Roth or traditional 401k?

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Do you count your car as part of your NW on Mint/other trackers?

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Do you DCA or lump your December & April bonus into ETFs?

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