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4 and 6 with a little bit of 2. Maybe 8 soon 🙃

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Thoughts on personal loans to consolidate Debt?
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As long as you’re getting 4-5.5% (current best rates) it doesn’t really matter. I have Capital One and love it. The app is super intuitive and there are no fees or minimums. Living in DC it’s a plus to be able to have physical locations available if I need to make deposits and whatnot
I use Marcus (Goldman product). It’s very similar to Amex. I’d just pick whoever has the higher rate.
If you don’t need to access the money for a period of time I’d consider looking into CDs or other options beyond HYSA.
Marcus! It also lets you open up multiple accounts (like envelopes) so I have different accounts for my emergency fund and house fund. You can use my referral!
https://www.marcus.com/share/SUN-QET-9ZFY
Wealthfront offers 5.5%!