If your savings account has been quietly sitting in the same place for years, that's understandable. Money that's safe, familiar, and out of your checking account feels like it's doing its job. But the Federal Reserve's Oct. 28 rate decision is a useful nudge to look at what your savings is actually earning. Some high-yield savings accounts are still around 4.00% annual percentage yield (APY), and that difference could be large enough to matter. The move is simple: check your current rate, compare it with today's high-yield savings account rates, and move only the cash that fits. By the end, you'll know which dollars belong there and which dollars should stay closer. $20,000 earning nothing could mean $66 a month, gone.
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