Mrs. Dow Jones
The cash question

Where should this money live?The answer is almost never "wherever it is right now."

The only question that actually matters is when you need it. Tell us that and we'll tell you where it belongs.

$
Your best guess is fine.3 years
Is that date firm, or could it move?
Almost there

Your answer is ready.

Drop your email and we'll show you exactly where this money belongs, plus whether switching savings accounts is actually worth your afternoon.

Your email is only for the newsletter. We never share it, and we don't store your numbers.

That doesn't look like an email address.

You'll also get the newsletter. It's good, we promise, and you can leave whenever.

The answer

While you're here: is switching savings accounts worth it?

Everyone says chase the best rate. Sometimes the difference is $40 a year, which is worth knowing before you spend an afternoon on paperwork.

Your rate now
%
The new one
%
On this balance
$
$— a year

Pop in two rates above and we'll do the math.

The one rule

Money you need soon doesn't belong in the market.

Not because investing is bad. Because the market doesn't care about your closing date. Anything under five years wants to be boring and available. Anything past that wants to grow.

General education, not financial advice. CDs lock your money until they mature, and investing can lose value in any given year.