this post was submitted on 31 Jan 2025
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No one has increased their wealth because of savings account percentages. If that's where the majority of your funds are located, you're wasting the money's potential.
I wouldn't bother giving this advice if it was the same boring play it safe guidance. People who are risk adverse have options that need to be talked about and it's not going to be found in your local banks pamphlets.
People are really bad at measuring risk. Choosing to avoiding direct investments is one such case.
Consider putting $20 in stocks per month instead of $20 on lottery tickets per month and see the difference. I assure you the former has better results than the latter.
Agreed, but we're talking about having emergency funds that requires high liquidity, and putting them in HYSA, not your typical 0.5% bank savins account. You really wouldn't want to tie your emergency funds to the stock market as the market is volatile in the short term, and you pose a real risk of needing to withdraw funds during a downturn.
We're just talking about emergency funds, not an entire portfolio.
Agreed with the rest of your points, though not sure where they come from.
We're in a shitposting sub and I started the comment thread and I disagree that anyone needs several dozen thousand in an emergency fund that is available within minutes.