I'm 22 and just starting out my career, I've done good at saving my money and I have investments, but my emergency fund (3 mo living expenses) in just in my savings account from when I was a child. I am wanting to move my emergency fund into a high yield savings account. What are the ones that people recommend? Aspiration is really the only one that I have heard real feedback on.

like
Posting as :
works at
You are currently posting as works at

Ally, Amex, discover, Capital One and Marcus are some of the big ones. They are all paying around a half a percentage. HM Bradley pays more but need a referral and have a few hoops to jump through. Many other options also

like

Related Posts

Would anyone be interested in participating in a research study? The only requirements are to be a school district employee and have a child in the district with special needs. Please help!!!

like

Has anyone taken STD/parental leave at both Js?

like

Hey fish fam! What are you all seeing in terms of interest rates? Was quoted a high rate (excellent credit score, no debt, great salary) need to know what’s out there.

like
like

Today was the first time since getting pregnant last fall that I was able to go get Botox and man, the prospect of finally feeling a little bit like my old self feels so good.

like

Anyone can suggest help for a 4th grader who is struggling with reading comprehension? The child currently has an F in reading and parents want to get at it early? Please help. Thanks in advance.

likehelpful

How old was ur first kid when u and ur partner left them for an overnight trip??

like

How do you deal with overbearing mother? Mine can’t come to terms with the fact that I have my own life, travel, live far from home, etc. and always compares me to her friends whose kids call daily...

like

Any suggestions on returning to my nursing career after a 2 year maternity leave? Thanks in advance!

like

Had a my 7 week ultrasound today, confirming I’m PREGNANT after my second medicated IUI!!!! So happy to have heard that heartbeat. There were some oddities on the ultrasound- wondering if any of you have experienced any/all of these and how it worked out (doc didn’t sound alarms, just said we’d keep an eye, but naturally I’m worried):
1. Grapefruit sized cyst on right ovary 2. Unknown object with no heartbeat (maybe a hematoma) in the gestational sac with my baby 3. An empty gestational sac

like

Anyone here either go to a top public school or send their kid(s) to one? I’d love to ask some questions for a project I’m working on.

like

Have you ever stopped yourself from applying to a better jobs (externally) because you like your current WLB? I easy qualify for AD positions but don’t want to sacrifice my time with my child. At the same time I want more $ 😭 (not starving now but just too ambitious)

like

Where can I start learning about retirement in America? I’m naive on the topic and originally from another country so I need reliable learning resources. I’m 31 and don’t have anything yet, except 6months in emergency fund and I started traditional 401k a few months ago, but can’t max it out currently as I make less than $70k right and single, so I’m currently putting 6% on a targeted retirement age portfolio.

like

Working on a take-home case study for a direct lender, I was given a public company take-private scenario and build a model around it, want to get you guys thoughts on whether I should include a few pages on historical financials?

like

Feeling a sharp tinging pain in left lower abdomen. It’s my first trimester. Have my OB visit next week, but between then and now has anyone encountered it?
FYI - I had something similar before I got pregnant. Was on vacations and planned to get it checked on return but it went away by the time I returned so never got it checked.

like

I had a miscarriage on Tuesday, my first. I didn’t even know I was pregnant. The Dr. was just as baffled by the timing, but here I am. My head is trying to be practical, but my hormones are raging. I feel like a stranger in my own body. How do women do this and work at the same time? I’m a freelancer, I’m so busy at work, I don’t feel comfortable talking to my coworkers about this. I’m trying to just get through the week but am really struggling.

like

There is a baby in my home today. (Friends are visiting.) Help.

funnylike

63k salary for a HR Coordinator role in nyc … is this fair? I feel like I am just scraping by… and they haven’t started taking out deductions for my 401k/pension yet. Plus side benefits are great and I pay nothing!!

like

I’m a new associate to a T&E group, partner goes away on vacation and leaves me with a 706 to review and sign. The family is very wealthy. Decedent married for 60 years. Partner says it’s “just a DSUE election, decedent was ill for years, no assets.” Provides no records. Not even an admission the decedent owned a toothbrush. So I looked up the decedent’s home - it’s a joint asset. Partner was “surprised”, and still insists “no other assets”. I found file references to art and antiques.

like

If you were in a position to relocate, would you move to a locale where Baby Boomers are moving/retiring in a disproportionate #, w/the expectation your career success rate would be higher?

like

More Posts

How to save tax on joining bonus of 2 lakhs?

My current salary is 4.5 lpa, i am joining another company with 14 ctc plus 2 lakh bonus

What all things i can do to save tax?
And how much will I be getting monthly 13.5 is fix 95 pf + gratuity.
Please help!

Post Photo
like

Does IT companies fake job roles like they show development role while attending interview but after joining they give support.Why they don't hire separately for support?Is this because nobody wants to work in support they make job description attractive to make employees join?

Anyone here ever have a severe muscle laceration or tear? Looking for recovery expectations and advice — fell while skiing and landed on the ski edge, cutting 75% through my outer quad

What topics would be of interest to attorneys looking to meet CLE requirements in 2021?

like

Anyone in the DMV area and interested in joining a young RE investors club?

like

I haven't really been paying attention. Can somebody let me know what the covid vaccine actually does? Does it just surpress the symptoms for myself, or does it actually stop the spread?

like

What is a fair rate for Senior Art Directors freelancing in Chicago?

like

I am hoping to make a shift to product marketing coming from a non-pmm background. Any recommendation for resume format?

like

We are at a level where by making 5% returns on our net-worth we can sustain our current lifestyle.

What should this mean from a lifestyle perspective? Keep it the same (but then why work), step/up a notch (but once you increase you cant go back), or make one off splurges as excess cash accumulates? How do others things about it?

like

Anyone in restructuring that I can DM some questions?

like
like

Your mind is a flexible mirror, adjust it to see a better world.

Post Photo
like

Any job related to java developer, i have been working in a company since last september it is my first job dont want to disclose the name not liking the WLB and also there is no friendly people if any job opening for the same can anyone refer me i have been working in java spring boot also have training as a mean stack developer if anyone can help thanks in advance it will help a lot

like

Hey Partners!

How do you stay up to date on current trends/ offerings? How do you find the time to read?

likehelpful

Is anyone else planning on attending the Thanksgiving Parade Thursday? This is the first year my son is old enough to go and I have never been before so I'm super excited! Can anyone recommend a good place to view the parade or how early we should arrive?

like

My professional life at the moment is far from ideal. I’ve been on quarantine (long story, but a good one) for the last seven years. Royalties from my books don’t pay the bills. My entrepreneurial pursuits remain hampered. For the interim, I’ve been looking for a remote opportunity where I can leverage my skills in marketing, sales, social media, and elsewhere for a decent sum. I have a social media presence which, in recent years, reached millions. There has to be something exciting I can do.

like

The minute I land in Chicago I start dreaming about Naf Naf. That pita bread is my undoing.

like

Any openings for Alteryx Developer role? Please help me. TIA.

How's LiteCoin (LTC) looking fish fam? Hws the future? Holding a few for the last 3 years.. shd I get out?

like

When overwhelmed with workload/too much activities on your plate given by multiple people, how do you guys phrase the communication n respectfully decline new task to minimize negative perceptions?

Additional Posts in Personal Investment Chatter

Came across a duplex for 475k in SoCal. Up and coming area that’s getting gentrified fairy fast. Looking to rent out the front for 2k and and splitting the back with a housemate for 1k. Cont below.

like

Are folks buying homes with 6%+ mortgages? Or waiting till things cool down?

I’m a homeowner and we have a 3.25% on a $600k loan. Likely needing to upsize to a $1.5-2.0M home (VHCOL) because of kids, but balking at the idea of paying $6-8k/mo in interest charges alone.

like

Start tomorrow but I don’t get a match for 401k until 2nd year. Living at home and wanted to pay off my loans. Is it ok if I just do loans, max out IRA, and have an emergency savings? Projected CONTD

Anyone else buying Series I bonds right now? What are the pros/cons?

like

How do I know what to add to my roth? I have a few indexed funds but haven’t dabbled in stocks. I’m 25 years old so I want to do something riskier. I have $1500 to invest in something today...

like

How much margin is appropriate/recommended on a percentage of portfolio basis? I used to use about 10% but now that we’re in a bit of a correction it’s closer to 20%. I really want to add to positions on these dips but it would only increase the risk given the margin exposure...

like

I have $40,000 in savings and 0 debt. Looking for additional sources of income, how can I get started in real estate? Do I need to save more? Currently renting an APT.

like

Is it a good time to buy first home condo for 300k chicago downtown now? 45k in HYSA, 31 single. Rest of my money went into gifting home for parents and edu loan.renting for 1700 per month

likehelpful

I’m a first time home buyer and trying to figure out how to get started. Any good resources you all have come across or tips in general? Specific question in comment below

like

Selling 2022 sealed and brand new Kaplan CFA Level 1 books, comment or DM if interested

like

What do you guys do when you like a mortgage provider but not the specific lender you spoke with? I have a lender that seemed rly immature and a bit rude but I like the company.

helpful

How do you calculate what tax bracket you will be at when you retire? Keep reading choose the option based of what tax bracket you will be at retirement but I literally have no clue

like

Do people use their HSA to actually pay for health expenses or just as a triple tax advantaged savings account for retirement? Seems like all talk on here emphasizes the tax benefits of it, so I am curious if people use to spend or just save

likehelpful

Is there any way to make pretax contributions to a retirement account outside my employer plan if:

1. My employer offers a 401k plan

2.) Im over the income limit

Here’s my situation; I left a higher paying consulting position for a lower paying position (better WLB). When I left consulting, I got paid out for my PTO, and I received a signing bonus with my new company. I expect my income will be significantly higher this year than it will be for a while. I know I could … (see comments)

like

Anyone in a Big 4 (maybe better at EY) ever done an alternative or a fund private investment? If so what are the rules/process to take to clear it if anything? Or just report it in independence?

like

New to cryptocurrency and want to invest in it. Recommendations welcome. How to start? Coinbase vs. GBTC via Vanguard? Is it a good time to enter?

like

what’s the most you’ve spent on brunch 🤣

funnylike

If I’m above the Roth income limit, can I do back door Roth for my Roth IRA and mega back door Roth for my Roth 401k? And does back door Roth count against contribution limit for mega back door?

like

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

I was planning to buy a home next year, but now I expect to renew my lease once it expires. If so, I wouldn't be buying a home for at least 2 years from now.

Guessing I should still leave the down payment in a HYSA (getting 3% right now)? Sucks to miss out on market returns, but I understand that conventional wisdom is not to invest money you'll need in the short term (within 3ish years). I'm definitely tempted to put a portion of that in VTI though...

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal