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While you wait, here are a few simple ways to make your money work harder — starting today:
Most big banks still pay just 0.01% APY (annual percentage yield). That’s $1 a year on a $10,000 emergency fund.
Look at what $10,000 earns in different accounts:
American Express® High Yield Savings Account (Member FDIC), offering an impressive 3.50% APY (as of August 8, 2025) with no minimum deposit needed to start earning -- no gimmicks, no hoops, just a solid rate and FDIC protection.
In just a few minutes, you can start earning hundreds more on money you already have. Open your American Express® High Yield Savings Account here.
Credit card debt is financial quicksand — no savings plan can outrun 20%+ interest. A 0% balance transfer card gives you room to finally catch up.
The Wells Fargo Reflect® Card (see rates and fees) offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. That’s nearly two full years to pay down debt without interest piling on.
Apply here and start fresh – interest-free until 2027.
Insurers often reserve the best deals for new customers, while slowly raising premiums for long-time policyholders. You could be overpaying by $400–$1,000 on your auto insurance per year without realizing it.
Take two minutes to compare quotes with our free tool.
Worst case? You stick with what you have. Best case? You save hundreds with almost no effort. Either way, it’s worth a 2-minute check.
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