Rachel Cruze
Region: US
Tuesday 30 June 2026 14:37:11 GMT
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Nick :
What % is your high yield currently?
2026-06-30 22:57:50
5
Kristyn Huffman :
I have both but my high yield interest keeps falling 😩
2026-06-30 19:26:14
52
JV73Outdoors :
High yield savings account usually requires a significant amount to open and requires you to keep it high. 1k won’t cut it
2026-07-01 01:57:35
11
mr.rrs123 :
Still no one has explained the difference between them that I understand. Someone said HYSA are online only, but my local credit union has one. My bank mm is currently earning 4.25%.
2026-07-01 14:49:04
6
Andrew :
paypal is at 3.30 % right now. if anyone's wondering.
2026-07-01 21:56:52
8
Markmcintire16 :
Can you withdraw money from it whenever with any fees?
2026-07-01 14:03:15
6
Rider :
This is wrong. You should put it into a MM etf or fund. Hysa is taxed at highest marginal rate
2026-07-01 01:21:39
2
CtrlAltDel_MA :
You didn’t really explain why. Taxes are treated differently between the two.
2026-07-01 21:06:03
6
HudsonOlivia :
What about both? We have a HYSA with our 3-6 months of expenses and then our money market is for savings for fun or things we are saving up for.
2026-06-30 19:14:02
7
The White Knight :
Is that Hank hill??
2026-07-01 02:45:19
28
alyiadventures :
what is included in consumer debt
2026-08-28 05:32:58
1
NOLA :
Money market typically higher rate and although not fully liquid it can be sold and made available same day. I love both, but if I’m forced to pick one for my excess cash, I’m going MM
2026-07-01 03:03:48
6
Jake :
SoFi the best HYSA just for the vaults and overdraft protection alone
2026-07-01 00:03:52
8
D.Ramsey Finance :
u r gonna make me cry
2026-08-12 23:55:51
1
Annie Level :
Ahh that is my fiance you were talking to! 🤍✨
2026-07-02 04:12:04
4
Pandaemonium :
My MM has the ability to write checks. It essentially works like a checking account but with investments so because of this I ditched my hysa and moved it to a MM
2026-07-02 03:17:20
3
_wifeinwild :
I like that coffee cup!
2026-06-30 16:27:16
5
🌸Mrskdm1998🌸 :
Sorry, money market is way better!! And 15 yrs ago, have you moved on from then?
2026-06-30 17:28:33
8
shabooyarollcalll :
Does “consumer debt” include student loan payments?
2026-07-29 15:09:59
1
hrod530 :
My money market at Fidelity allows for a debit card and check writing capabilities. Main difference is a higher savings account is a bank vehicle so it’s FDIC insured versus a money market fund is technically an investment product, which is not FDIC insured, but it is SIPC insured if it’s held at one of the bigger known investment firms. Although a money market fund is set to maintain a net asset value of one dollar, money market fund also can technically “ break the dollar,” which means you can lose money. However, a bigger well-known firms that probably has never happened/is very likely to not happen.
2026-08-12 00:08:29
1
Debra2 :
Goldman Sachs is 3.4%
2026-07-07 05:48:03
2
Brian Wall :
3.75 rate
2026-07-01 02:52:48
3
Living my best life :
Roth MM account. No tax on growth, take out principal if needed.
2026-06-30 21:34:06
5
Shaun :
😂
2026-06-30 21:47:13
1
Your Father's Advice :
Agree. Boring, separate and easy to reach, but not so easy you dip into it for takeout.
2026-10-15 18:24:15
0
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