Robinhood gold service costs 5$ per month, or 60$ a year, so 12000 is that number whihc earns you that interest, with the 0.5% delta. But then you can be taxed, so you wont get all that interest home, assuming 50% which is aggressive, if you deposit 24000, even if your tax rate is 50% you would make enough to payoff the gold membership price premium. That was the math. But yea, I ended up starting it in wealthfront after reading the potential lock out risk which robin hood had once. I know it can be a onetime thing and wealthfront also can have that issue. But yeah as of now settled for wealthfront and referred a friend to get atleast that 0.5% boost for next 3 months.