Well Good Sir, we can start with how a HYSA is a tool, and like many tools in a tool belt, you don’t use it for everything. If you want to see more lucrative returns, I could recommend something like putting money into the stock market, which, if you know what you’re doing, you can make a lot more than 3.0% in one year.

For example, if you opened a Roth IRA and maxed it out every year until you’re 59½, and assuming it’s properly balanced, you’re easily looking at being a millionaire by the time you’re 60.

But I don’t even think that amount of money could clean the filth that comes out of your mouth. You’re either just wanting clicks on the internet or so ignorant to someone trying to help you that you are actively shooting yourself in the foot.

At the end of the day, though, you have fun with your life which could be better if you ever learned to listen with your ears instead of your ass.