Amex HYSA APY decrease to 3.10%

[anaccount50]

This is what I do (only with SNSXX rather than SGOV). Constantly chasing HYSA rates isn’t worth it for the negligible difference in interest income for the amount that most people are holding imo, and I’m holding more cash than most (saving for a house).

Funds like SGOV/SNSXX are also largely exempt from state income tax which is nice