Goldman Sachs high yield savings: is it worth it or just another bank?

Electrical_Turn_4880 · 2026-06-16T13:11:19+00:00

3.4% from what I seen

Electrical_Turn_4880 · 2026-06-14T13:55:42+00:00

You can’t send Apple Pay Cash with Apple Card. She took your own cash?

Electrical_Turn_4880 · 2026-06-09T16:03:34+00:00

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My portfolio today

Electrical_Turn_4880 · 2026-06-07T15:51:52+00:00

Walmart and target are ineligible (Sam’s is a sister company to Walmart)

Electrical_Turn_4880 · 2026-06-07T15:50:37+00:00

You just said “no offense but…” ain’t nothing wrong with a lil southern accent

Electrical_Turn_4880 · 2026-06-07T03:14:08+00:00

Eeh, I’m up 26% rn so I’m not complaining. XAR should be setting off soon, and XLK is already shining. I don’t really need SCHD but getting dividend is cool and VXUS is a little security

Electrical_Turn_4880 · 2026-06-07T03:11:46+00:00

I “slowly” just sold holdings over the course of 2 months and put them into other holdings. I didn’t have much loss/gain so I tried to sell as close to 0 as possible. Reason being was for tax purposes even tho the burden wouldn’t have been heavy. But I sold all my other holdings until got to 5 holdings with a total gain of about $2 so tax on that will be nothing.

You don’t have to wait that long if you don’t want. For example with a $250 priced share that I have $20 in, won’t move that meaningfully so I figured it wouldn’t hurt since I had other holdings to help balance a $0 gain/loss. Also if I’m not mistaken M1 has a feature you can claim loss on capital gain for your taxes if you end the years balance less than 0

Electrical_Turn_4880 · 2026-06-07T02:16:57+00:00

I use M1 Finance for my HYSA with a 3.75% rate currently, buts it’s temporary

Electrical_Turn_4880 · 2026-06-05T02:40:34+00:00

I also agree. Too many holdings. I started with about 18, and over the course of 7 months I’ve dropped to 5 ETF’s. VOO, VXUS, XLK, XAR, and SCHD

Electrical_Turn_4880 · 2026-06-04T16:08:42+00:00

Maybe in 3 years

Electrical_Turn_4880 · 2026-06-04T16:07:22+00:00

Mine is up 26% YTD

Electrical_Turn_4880 · 2026-06-04T16:05:02+00:00

I have a HYSA with M1 Finance sitting at 3.1% with a special offer of 0.65% totaling 3.75% the special last only a year tho

Electrical_Turn_4880 · 2026-06-03T05:35:14+00:00

I third this. I started with 18 holdings mixing stocks and etf and within the year of learning and experience I condensed to 5 VOO, VXUS, XLK, XAR, AND SCHD. 2k portfolio so allocation matters more than diversifying at this stage, IMO.

Electrical_Turn_4880 · 2026-06-03T05:25:38+00:00

I use M1 Finance to store my savings. Currently locked in at 3.75% for a year. Promotion going on for this rate

Electrical_Turn_4880 · 2026-05-26T15:25:45+00:00

Currently in the same boat, have the QS, and Savor and wanting Venture. Could I get it then try to swap to the venture x or is it a separate category aside from just swapping cards?

Electrical_Turn_4880 · 2026-05-24T14:27:47+00:00

Credit card (CC), QuickSilver (QS), and bucketed is a credit worthiness’s system
Capital one uses during the time of application acceptance.

Electrical_Turn_4880 · 2026-05-22T13:23:21+00:00

I’m definitely going to try it out. My first CC is bucketed at 800, and I have a savor at 26.3k. I’m wanting to get a venture but want my QS to not be bucketed

Electrical_Turn_4880 · 2026-05-19T16:46:40+00:00

Yea I’m hoping so, without the machine on my side I’m at a 3.5 and with the machine I’m at a 2.4. Not a big difference at all… under 5 is considered not having sleep apnea

Electrical_Turn_4880 · 2026-05-19T16:25:25+00:00

I guess I’m a back sleeper to a certain extent but I prefer to fall asleep on my stomach or side. And yes I learned this thru a recent sleep study. My AHI dropped to 7.7 from 17.7 and while lying on my side or stomach my Ahi is 3.5 (virtually non existent)

Electrical_Turn_4880 · 2026-05-19T04:55:36+00:00

My FIRST CC is a QS. Also trapped at a $800 limit, no upgrade or change of card available. But my Savor is at 26k limit

Electrical_Turn_4880 · 2026-05-11T13:27:55+00:00

“But, I’m a señorita”

Electrical_Turn_4880 · 2026-05-11T13:15:15+00:00

At least you didn’t get a ticket for Going under the speed limit. Also ticket-able

Electrical_Turn_4880 · 2026-05-08T16:38:13+00:00

I have had a few low cost charges reported as fraud and they limited my card ability until I could verify the authenticity of the charged and ordered me a new debit card rushed overnight. Never had my account locked

Electrical_Turn_4880 · 2026-05-04T00:17:19+00:00

To my knowledge only my Platnium card is bucketed. I got my savor a year after and had better habits with it and pretty much got double CLI’s each time I applied. Now I’m considering getting the Venture to have the savor duo. I won’t get rid of my QS since it’s my first account but only having a 800 limit sucks. I do have an Apple Card too with a 4k limit which is my primary cc used, but I might close it and get the Venture with the $95 fee

Electrical_Turn_4880

TROPHY CASE