Tarra Jackson

[[{“value”:”If your money’s sitting in a big-name bank, it’s probably earning next to nothing.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Even after two years of rising interest rates, most of the country’s largest banks are still paying just 0.01% APY on standard savings accounts. That’s not a typo; it’s a penny per year for every $100 you have saved.Meanwhile, top high-yield savings accounts are offering 4.25% APY or more, with no monthly fees, easy access to your cash, and full FDIC insurance.That’s a 425x difference and the kind of quiet financial move that can add up fast.Why big banks aren’t paying you moreBig banks know most people won’t move their money. You probably already have direct deposit set up, maybe even autopay. And switching banks feels like a hassle.But that convenience is costing you — especially if you’ve built up a decent emergency fund or cash cushion.Here’s the math:If you’re keeping $10,000 in a savings account at 0.01% APY, you’ll earn just $1 over an entire year.Move that same $10,000 into a high-yield savings account paying 4.25%, and you’d earn $425 — without doing anything differently.What to look for in a high-yield accountNot all savings accounts are created equal. The best high-yield options right now check all these boxes:Over 4.00% APYNo monthly feesFDIC insured up to $250,000Most of the best offers come from online banks. They don’t have to pay for expensive branches and pass the savings back to you.You can open one of these accounts in just a few minutes. Once it’s linked to your checking, you can easily transfer money back and forth as needed.If you need a place to start, check out our list of the best high-yield savings accounts to start earning up to 10x the national average on your money today.This is the easiest financial upgrade you can makeI’ve been writing about personal finance for years. And I’ll be the first to say that most financial advice takes time, discipline, and patience.This isn’t one of those things.Moving your savings to a better account doesn’t require you to cut back, build a budget, or change your lifestyle. It’s one of the few personal finance decisions where you do nothing differently and still end up with hundreds of dollars more in your account over time.Don’t settle for 0.01%Big banks are betting that you’ll keep your money where it is and accept tiny returns.But with rates still holding steady and top savings accounts paying 4.00% or more, this is your chance to do better. Much better.Even if you’re only starting with a few thousand dollars, the difference is real. And once you make the switch, you’ll wonder why you waited.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

If your money’s sitting in a big-name bank, it’s probably earning next to nothing.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Even after two years of rising interest rates, most of the country’s largest banks are still paying just 0.01% APY on standard savings accounts. That’s not a typo; it’s a penny per year for every $100 you have saved.

Meanwhile, top high-yield savings accounts are offering 4.25% APY or more, with no monthly fees, easy access to your cash, and full FDIC insurance.

That’s a 425x difference and the kind of quiet financial move that can add up fast.

Why big banks aren’t paying you more

Big banks know most people won’t move their money. You probably already have direct deposit set up, maybe even autopay. And switching banks feels like a hassle.

But that convenience is costing you — especially if you’ve built up a decent emergency fund or cash cushion.

Here’s the math:

If you’re keeping $10,000 in a savings account at 0.01% APY, you’ll earn just $1 over an entire year.

Move that same $10,000 into a high-yield savings account paying 4.25%, and you’d earn $425 — without doing anything differently.

What to look for in a high-yield account

Not all savings accounts are created equal. The best high-yield options right now check all these boxes:

• Over 4.00% APY
• No monthly fees
• FDIC insured up to $250,000

Most of the best offers come from online banks. They don’t have to pay for expensive branches and pass the savings back to you.

You can open one of these accounts in just a few minutes. Once it’s linked to your checking, you can easily transfer money back and forth as needed.

This is the easiest financial upgrade you can make

I’ve been writing about personal finance for years. And I’ll be the first to say that most financial advice takes time, discipline, and patience.

This isn’t one of those things.

Moving your savings to a better account doesn’t require you to cut back, build a budget, or change your lifestyle. It’s one of the few personal finance decisions where you do nothing differently and still end up with hundreds of dollars more in your account over time.

Don’t settle for 0.01%

Big banks are betting that you’ll keep your money where it is and accept tiny returns.

But with rates still holding steady and top savings accounts paying 4.00% or more, this is your chance to do better. Much better.

Even if you’re only starting with a few thousand dollars, the difference is real. And once you make the switch, you’ll wonder why you waited.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
Most people think you need a complicated budget or the latest app to stay out of debt. Warren Buffett does the exact opposite.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. The billionaire investor has stuck to the same basic rule for decades, and it’s one that almost anyone can follow, even if you’re not great with money. He simply avoids spending money he doesn’t already have.Seriously, that’s it.Buffett’s habit: Only spend physical cashBuffett has long preferred using actual cash for everyday purchases. Not credit. Not even debit. Just cash.Why? Because it forces you to feel every dollar that leaves your hand. When you pay with plastic or tap your phone, it’s easy to disconnect from the money. But when you carry around a set amount of cash, you naturally become more mindful.That one habit has helped him avoid personal debt his entire life. He’s even said, “If I owe anybody anything, I want to get it paid.”Why most people don’t do this — and why it still worksLet’s be real. Most people don’t use cash anymore. Tap-to-pay, buy now, pay later, Venmo — it’s frictionless. And that’s the problem.According to a recent survey from the Federal Reserve, nearly 50% of Americans live paycheck to paycheck. And for many, credit cards fill the gap. But that leads to a cycle of interest charges, minimum payments, and financial stress.Want to go further? Pair Buffett’s habit with a high-yield savings accountHere’s something I’ve learned from years of writing about personal finance: Small behavior changes matter a lot more when your money has a safe, steady place to grow.If you’re committing to a cash-based system to avoid debt, the next smart move is to stash your extra savings in a high-yield savings account (HYSA). Top accounts right now are offering up to 4.40% APY, which is more than 10 times the national average.If you’re looking for a place to start, check out our list of the best high-yield savings accounts.This one habit could change your financial futureBuffett doesn’t live on a budget spreadsheet. He lives by a mindset: Don’t spend what you don’t have.It’s a low-effort way to stay debt-free, and it’s just as effective now as it was when he started decades ago. If you’re tired of feeling like money is always tight, this one change could help you take back control — without sacrificing the things you care about most.And if you’re ready to put your extra savings to work, a high-yield account is one of the easiest wins out there.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Most people think you need a complicated budget or the latest app to stay out of debt. Warren Buffett does the exact opposite.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

The billionaire investor has stuck to the same basic rule for decades, and it’s one that almost anyone can follow, even if you’re not great with money. He simply avoids spending money he doesn’t already have.

Seriously, that’s it.

Buffett’s habit: Only spend physical cash

Buffett has long preferred using actual cash for everyday purchases. Not credit. Not even debit. Just cash.

Why? Because it forces you to feel every dollar that leaves your hand. When you pay with plastic or tap your phone, it’s easy to disconnect from the money. But when you carry around a set amount of cash, you naturally become more mindful.

That one habit has helped him avoid personal debt his entire life. He’s even said, “If I owe anybody anything, I want to get it paid.”

Why most people don’t do this — and why it still works

Let’s be real. Most people don’t use cash anymore. Tap-to-pay, buy now, pay later, Venmo — it’s frictionless. And that’s the problem.

According to a recent survey from the Federal Reserve, nearly 50% of Americans live paycheck to paycheck. And for many, credit cards fill the gap. But that leads to a cycle of interest charges, minimum payments, and financial stress.

Want to go further? Pair Buffett’s habit with a high-yield savings account

Here’s something I’ve learned from years of writing about personal finance: Small behavior changes matter a lot more when your money has a safe, steady place to grow.

If you’re committing to a cash-based system to avoid debt, the next smart move is to stash your extra savings in a high-yield savings account (HYSA). Top accounts right now are offering up to 4.40% APY, which is more than 10 times the national average.

This one habit could change your financial future

Buffett doesn’t live on a budget spreadsheet. He lives by a mindset: Don’t spend what you don’t have.

It’s a low-effort way to stay debt-free, and it’s just as effective now as it was when he started decades ago. If you’re tired of feeling like money is always tight, this one change could help you take back control — without sacrificing the things you care about most.

And if you’re ready to put your extra savings to work, a high-yield account is one of the easiest wins out there.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More