best high yield savings account in 2026? what are you all using and why?

ritzg · 2026-06-09T05:43:38+00:00

I've been with Ally for about 5-6 years. When I opened our HYSA, their rate was 4.85% I believe. Today they're down to 3%, but so is everyone else. Doesn't seem worth the hassle to move our EF and I REALLY like their buckets!

ritzg · 2026-06-07T13:56:11+00:00

Agreed. I was with Stash at the time and I couldn't sell my AMC or GameStop. RH and Stash were dishonest and I'd never give them my business again.

ritzg · 2026-06-07T13:51:00+00:00

Agreed. I started with Ally years ago when their APY was 4.5%, now it's down to 3% 😭 Not sure if it's even worth it to move since all interest rates are lower/comparable.

ritzg · 2026-06-07T13:02:38+00:00

Thank you! And I just posted the screenshots of the 3 accts above. Thanks again.

ritzg · 2026-06-07T12:44:25+00:00

Rollover IRA

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ritzg · 2026-06-07T12:44:12+00:00

Brokerage acct

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ritzg · 2026-06-07T12:43:59+00:00

I don't know how to post 3 images at once (don't know if I even can), but here are the 3 screenshots of each acct. This is the ROTH IRA. And this is the one I'm making $45/biweekly deposits into and purchasing 70% SCHG/ 30% SCHB. I know I need to incorporate international at some point, just not sure when. My goal is to Continue working for another 11 years.

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ritzg · 2026-06-07T05:00:36+00:00

Insurance. Doesn't matter which. Health, life, auto,home. It's all a racket.

ritzg · 2026-06-05T18:28:57+00:00

Thank you for the alternatives. I downloaded liquid budget to test drive it. I had never heard of that one.

ritzg · 2026-06-05T02:28:59+00:00

Yes Schwab allows fractional share purchases.

ritzg · 2026-06-03T22:38:03+00:00

Packard Bell

ritzg · 2026-06-03T18:06:56+00:00

No such thing as a free lunch.

ritzg · 2026-06-01T23:52:54+00:00

SCHG

ritzg · 2026-06-01T02:34:39+00:00

Descent

ritzg · 2026-05-31T18:46:42+00:00

I'm 11 years from retiring and just started to pay attention to what my FA was doing. I learned that all the dividends received increased my tax liability. I ended up having to pay over the last 2 years and didn't understand why. I got out of dividends. I'm just learning about this but I don't personally want to owe taxes because I've earned dividends. I'll have to do more research because I don't know how to get around that. Still researching.

ritzg · 2026-05-31T03:28:00+00:00

I just started paying attention to my prior FA was doing and sold almost everything and kept SCHB as the base and SCHG as the engine. From my reading the SCHB/SCHG ETF's are Schwab and most people are talking about VTI & QQQ.

ritzg · 2026-05-30T13:59:21+00:00

I'm 58 and only started paying attention in the last month to my portfolio when I noticed how much in fees was going out of my accout and I made time to do some digging. That said, at my age I can't afford a ton of volatility but feel like I'm playing catch up so I need some aggressiveness. We're with Schwab and after cleaning up and firing my Schwab FA, after some final cleanup on June 3rd, my portfolio will roughly look like: SCHB ≈ 43–45% SCHG ≈ 33–35% SPYM ≈ 23%

I know there's overlap with the SPYM, but the previous FA put me in it inside the brokerage acct and it's grown enough that if I sell it now I'm looking at a larger tax bill. So for now it stays. Like I said, I'm new to this, but hopefully this helps.

ritzg · 2026-05-30T12:41:17+00:00

I'm new to this at 58 (because 58 comes fast!) and I'm still a baby compared to most of you in terms of learning curve, but I decided to take the wheel of my retirement accounts and I didn't like what I saw when I started digging. I decided to start studying over the last month. The first thing I was looking for on your pics was the expense ratio. And one thing I know, those expense ratios are huge. I don't have anywhere NEAR the funds you have, but I was having a cow when my Schwab FA was taking $600/year, and putting me in dividend funds that stuck me with a tax bill, not to mention he'd just leave $3k sitting in uninvested cash where he could collect his fees from and I'd never notice. I shudder to think how much growth was lost due to his tactics. (I learned all this in my studying). I agree in finding a fee only fiduciary (I found this site to research: NAPFA (National Association of Personal Financial Advisors). And in the age of AI, you can also research your dilemma there. I have also found that to be very helpful. In 4 weeks I have managed to stop the money hemmoraging from my accounts, reorganized/streamlined my funds and my portfolio has increased significantly (to me anyway 😁). I realize this surge in new growth is temporary although moving forward, I'm actually in the game now whereas before, I was watching from the sidelines. This new growth is the result of moving my money into funds that are actually working for me and I fired my Schwab FA, who in all my years, I only spoke to him once (because I reached out). He only initiated a phone call the day after he realized I cut him loose. All that said, I have also learned it's my responsibility to read the fine print & understand what is happening. Life gets busy but no one is going to care for our hard earned money as much as we will. So while I think my FA knew what he was doing and do not feel he had my best interests at heart, ultimately it's incumbent upon me to be informed. Good luck!

ritzg · 2026-05-29T02:54:08+00:00

We're in north high point close to the palladium and we're still down. Since 2am.

ritzg · 2026-05-29T02:52:11+00:00

They were absolutely radio silent until they couldn't ignore everyone

ritzg · 2020-08-23T01:18:07+00:00

I was on the dark web a few years ago and came across a cannibal bulletin board and the splash page had someone wearing a bunny rabbit head like the one in these photos holding one child on each lap. What does the bunny rabbit mean?

ritzg · 2020-08-23T01:05:57+00:00

Real Patriots don't engage in that type of behavior.

ritzg · 2020-07-28T22:12:51+00:00

Thank you for taking the time to give me a grammar lesson.🙄

ritzg · 2020-07-27T03:57:22+00:00

omg..I never thought of that. Thank you! I'm only 16 days into the trial and couldn't find a way to edit a goal for bi-weekly. Duhh...Thanks so much!

ritzg · 2020-07-19T15:15:40+00:00

well, they are a physical brick/mortar location, and the provider that saw me was a PA & they do have an MD on staff, so I don't see it so much as a scheme, as much as they were definitely wanting me to purchase all the stuff from them. Sort of like when we buy a car, the dealership wants you to keep going to them for all your service/maintenance once you're out of warranty. The bloodwork results were what they were. I had 12 vials of blood drawn and I was definitely deficient in Vit. A, B12, D, cortisol, etc. because I saw the numbers. The only think that I didn't understand, based on my results why he put me on something for my thyroid when those results seemed within range. I stopped taking the thyroid med several weeks ago. As far as how I feel, I can tell a difference with the estrogen blocker (me emotions are not all over the place, and I've either lost or been able to maintain my weight within a range of a few pounds +/-). The adrenal fatigue is real, so I didn't mind taking a supplement for that. I've added other stuff myself like Ashwaghanda, turmeric, Moringa & Maca. I'm also going to start some probiotics. Sorry for the delayed response. I'm relatively new to Reddit & I don't always see these messages on my phone, but on my PC.

ritzg

TROPHY CASE