Thoughts on a HYSA vs Vanguard Money Market Fund. Most HYSA are at ~1% and Vanguard MMF is at 1.3%. Should I park my money in a MMF long term, even when banks raise their interest rates?

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Either is fine. Go with what is most convenient to you. 1/4 of a % is only $2/mo on a $10k balance so no need to open a new bank account if it later is a bit higher than the mmf.

MMF also have expense ratios that likely put them below HYSA

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