WHERE TO KEEP YOUR EMERGENCY FUND

(It’s not an investment—it’s your financial safety net)

I’m so proud of you — you tackled debt, you reached $1K in savings, some of you even hit $5K. You’ve moved mountains

✨ Now the question: where do you hold your emergency fund?

The goal is simple: easy access + real protection—like an insurance policy for your money.

Not a long-term investment, but a quick rescue when life surprises you.

Sure, checking feels easy—but it’s too easy.

Keeping your emergency money separate helps you avoid dipping in for everyday expenses.

A HYSA works like a regular savings account—but offers a much higher annual percentage yield (APY), with full liquidity and FDIC insurance.

📈 Current top HYSA rates (July 2025) range from 4.3% to 5.0% APY — far above the national average of
That rate comfortably beats inflation and traditional savings—even when yields fluctuate .

I recommend opening your HYSA at a different bank than your checking account. Why? It adds more pause between you and temptation—plus extra safety.

Just remember:

Limit transfers to stay in line with account rules.
Factor in 1–3 day transfer delays.
Consider an online HYSA for the best rates, or shop locally if you love cash-in-hand banking.

Reason	Why it matters
1. Earn more interest 🤑	You’re leveraging up to ~5% APY—way more than 0.5% or nothing.
2. FDIC‑insured safety	Up to $250K protection, so your cash is fully shielded.
3. Liquidity when it counts	Instant-ish access without risking your investments—only 1–3 day wait + easy online transfer.

You’ve done the best part: creating the cash cushion.

Now, a smart home is a smart choice too.

Let your emergency fund protect you from surprise expenses—without slowing your progress.

Investment options?

That’s a conversation for another day.

Today:

protect.

Access.

Simplify.

🖤 structure is self‑respect™

xx, Heather

Next steps:

If you haven’t yet, grab the GET IT PAID OFF™ Challenge PDF — it helps you build momentum & save confidently.

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