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Do you have any pressing liquidity needs in the short-term (~12 months)? Otherwise I would leave like $5k in the HYSA and put the rest to work in the market
HYSA money is insured by FDIC up to $250k, so there’s no benefit in spreading, just choose the one with the highest rate. You can always move it later if something higher is available.
$25k is probably good for emergency savings.
Unless you are saving for something specific, a Roth IRA is a great next choice. You can invest that in stock market (S&P index fund is great - VOO for example)
You can withdraw contributions (not gains) from a Roth, so the money you invest can still be taken out, for a large purchase.
Get custom advice from a licensed professional (or a few to compare) because each individual has individual needs and outcomes.
My clients tell me it’s a relief to have clarity and, most of all, understanding when it comes to their money decisions.
I feel like you're confusing the ideas of two different buckets of money.
With the high yield savings account, you can take the money out whenever you want and spend it however you want. That money is liquid and you have the flexibility to react quickly if you want to use it for something.
Any money you put into an IRA you pretty much can't touch until you're 59 and a half years old, unless you feel like concurring tax penalties. That is longer term money, pretty much earmarked for your retirement years, and being in your early twenties now it's not something you're going to be touching for decades.
You also have to realize there are annual limits on how much you can put into an IRA, and it's certainly not as high as the total dollar figure you're talking about now ($6500 for 2023 and $7000 for 2024, $13,500 total).
So you want to think about all this money and when do you need to access it, and that's going to start to inform about the type of accounts that you will realistically consider. And the answer might be that you split this money up into two or three buckets, depending on when you need it and how much risk you're willing to take to invest it.
You can always pull out Roth IRA contributions )not gains) tax free at any time.