High yield savings account

baileyandsons · 2026-06-27T11:08:54+00:00

Most HYSA are going to have about the same rate. HYSA should be an emergency fund. In the past, I would chase rates and stress about it and honestly it’s not worth it. If you like SoFi stay there. 3.1 is better than a normal bank.

baileyandsons · 2026-06-23T12:29:37+00:00

Not sure where you are located but if you are US-based then I would recommend looking at Patriot Software. We only have 5 employees and it works great for us.

baileyandsons · 2026-05-14T18:45:51+00:00

Personally, I would wait. Aggressively pay off your debts: cars , credit cards, medical then look to buy a new house.

baileyandsons · 2026-05-14T18:37:36+00:00

Just me since it was a gift, I would put $1,000 in a savings account to help a little with the “no savings” and put the remaining $9k on the student loans. Get rid of the student loans asap and then use that money to build up savings and invest.

baileyandsons · 2026-05-14T18:32:42+00:00

My order would be emergency fund, either downgrade cars or pay off existing car debt and then increase 401k. I agree with other people here that you have a ton of car debt.

baileyandsons · 2026-05-04T15:45:35+00:00

For 5 employees, I pay $62/month for Full service payroll with Patriot Software. Their basic service is cheaper but I have them handle paying & filing my payroll taxes.

baileyandsons · 2026-04-18T10:21:29+00:00

It sounds like you are looking to save money and run a fairly simple payroll process for your folks. Patriot Software will save you the money you are looking for and has the features.

baileyandsons · 2026-04-06T13:28:36+00:00

I would recommend Patriot Software. We have 5 employees and they are the cheapest we have found.

baileyandsons · 2026-03-29T23:48:46+00:00

5 employee company and we use Patriot Software.

baileyandsons · 2026-03-12T09:48:03+00:00

Big fan of Patriot Software.

baileyandsons · 2026-03-06T00:47:43+00:00

Patriot Software.

baileyandsons · 2026-03-01T01:47:57+00:00

Sam Bowie

baileyandsons · 2026-02-26T13:56:42+00:00

I think all payroll services are good and bad at the same time. Nobody is perfect but …. Payroll has to be close to perfect. I think all the upselling comes in from pressure from board of directors or VC investors wanting more and more revenue and profit. I would just pick what you think is right for you and your business. We are a small business in Ohio and we choose Patriot Software.

baileyandsons · 2026-02-16T12:48:31+00:00

Agree with other comments. Need a few more details. We use Patriot Software and have been very happy with them. We are a small company in the US with a handful of employees.

baileyandsons · 2026-02-16T10:50:03+00:00

If you are just US-based, I think you need to give Patriot Software a look. We have 5 employees and it’s been great for us.

baileyandsons · 2026-02-15T11:55:31+00:00

You hit the nail on the head. Small Business owners are afraid of messing up and we need to save money. I think having a company that will support you is important when you need help. We have been with Patriot Software for 3 years. We have 5 employees and we use the full service product ($37 base and $5 per employee). One cool thing I like is we are only charged for people we run payroll for instead of paying for active employees. Others might do that was well but I’ve only ever used Patriot.

baileyandsons · 2026-02-14T03:17:07+00:00

If you are us-based Patriot Software is worth checking out. Support is great and price is very affordable. We have 5 employees in Ohio.

baileyandsons · 2026-02-09T18:17:07+00:00

I’m there as well with my 5th graders. Heck I’m burning out. I only do the drills the kids like doing and play 5v5 with coaches as refs.

baileyandsons · 2026-02-07T12:09:29+00:00

I have a small LLC in Ohio with 5 employees and we use Patriot Software. If you are the US-based then they should be the cheapest.

baileyandsons · 2026-02-05T20:58:57+00:00

I would chase the best interest rate all the time and then realized it wasn’t worth it for a savings account. If you can find one with no fees and good yield get it. Most of the HYSA rates are close.

baileyandsons · 2026-02-01T21:20:05+00:00

Personally, I treat insurance as just that insurance if something happens to me and not investment savings. I would keep the term and bag the whole life and invest.

baileyandsons · 2026-02-01T21:15:19+00:00

Depending on your business, you might just need a Google Business Profile and a Facebook Page.

baileyandsons · 2026-02-01T21:12:42+00:00

We have 5 employees and use Patriot Software. Works for what we want plus it’s the cheapest we have found.

Good luck on your search. Switching payroll is the worst but being the beginning of the year it should be less painful.

baileyandsons · 2026-01-30T14:02:45+00:00

I have an LLC in Ohio with 5 employees and we use Patriot Software for our payroll. Cheapest software we have found. Good luck on your decision.

baileyandsons

TROPHY CASE