Video

I use Credit Karma HYSA with 5.1% rate

Beautiful explained

I recently signed up for ally. I really like their bucket feature. I was between them and laurel road, but I’m overall happy with ally.

I have a SoFi checking but it's only ever got no more than a few hundred bucks in it. The investing landscape is way too lucrative to have any significant money in cash. I even transferred my emergency fund to stocks. I can have liquid funds for emergencies in 2 days by using my SoFi invest portfolio margin then pay it off when my sticks appreciate... Which being almost half Nvidia has been running well above 5% APY

How many of job openings are retail.

Didnt Biden create 15 million jobs

Vio bank 5.3% no stupid hoops like UFB

Only problem I have with your investment videos is your automatic assumption that we have $1,000.00 or more to invest. Im a disabled veteran on disability lookin to better my situation financialy... I get less than a $1,000.00 a month. Got any advice for us poor folks ???

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.

Vincent, there's a high yield money market with Vio Bank that offers a 5.30% interest rate.

5% interest for a high yields savings account is passive income after a few years.

I'd be happy with a cheese dispenser.

Luxury brands, always seem ridiculous to me.

For the UFB bank it really isnt worth upgrading to the 5.45% rate if you break the math down. If you transfer 10k over to their checking which id assume 0% or close to it. youre losing money and essentially only getting .10% on that 10k when you could just keep it all in the 5.25% rate or up it to the 5.35%

Please for the love of god do not put regular unleaded gas in your car if it’s supposed to take premium. I assume he didn’t mean it literally but you WILL damage your engine if you use too low octane.

Don't forget Vanguard's 4.7% Cash Plus High Yield Savings Account.

Hey Vincent Chan, I just watched your video and I must say that it was really informative and well-made. I was wondering if I could help you edit your videos and repurpose your long videos into highly engaging shorts? I can also make high CTR thumbnails for your channel

I noticed that you didn't mention Discover or Capital One HYSAs. Is there a reason?

This is great!!!!! In times of high inflation, I could really use this information 😅

Have you ever heard of the Raisin platform? What are your thoughts on it?

Vincent, your statement about Reagan is false. The government didn’t use Social security funds to pay for wars and government expenses. The government used a unified budget to create a perception that they were paying down the deficit by including the money in the SS trust fund. The government borrows from the trust fund by issuing treasury bonds/ bills . An I OwE you. Do the research.

Wealthfront 5% also lots of investment options. SoFi is awesome, if you add their CC to the mix even better since you get the points you see in the app and then can redeem for cash. There are also investing choices there.

Hi Vincent, great video! What APY calculator would you suggest to calculate future projections for a HYSA?

Thanks Vincent! I was thinking of either using AMEX vs Sofi HYSA? I also need a business checking that offers HYSA too … any suggestions anybody?

UFB has bad reviews though. It might be worth mentioning the pros and cons of all of these accounts more in detail. I personally use my apple savings 4.40% savings account.

TL;DR The US job market is based on nepotism and patronage. Time to leave the banana republic.

This video gives great information for new savers. Also, most brokerages offer 5+% CDs.

I haven't done business with AMEX since 1995 when one of their sales telemarketers harassed me on my landline. I also haven't had a landline since that call.

Says the guy that doesn’t have a job and makes all of his money off CZcams views lmao

I heard people complaining about Marcus and locking people out of their account and not unlocking it with their money still inside. You can see on their instagram comments. Have you heard anything about that?

These brands trying to sell to everyone...but still trying to keep that aura of exclusivity. LOL.

also want to point out Capitol One is very good, it's simple with a rate of 4.25% and the money is easily accessed whenever you need to pull something out quickly whether it be online banking or one of their branch locations which in my area has a ton of them. Don't sleep on Capitol One.

Interesting! Thank you for the information and keep it up!

I keep all my extra cash in precious metals. Specifically Mr. Magic Lamps. Not a great APY but dang it if that bro can't rock a mustache.

How about Wealthfront?

I have Marcus and I love it! No complaints!

Wealthfront. 5% and when you invite someone you get 5.5 for 3 months and have options for stocks, auto investing, bonds and others

I use apples high yield savings account program. It offers 4.40% it was 4.50 for a short time. It only applies to Apple Card members tho

Any thoughts on Citi Bank’s 4.35% APY?

Great video, Vincent. It's crazy how much we are getting paid for cash now

The 1% of rich people think of how to invest their money to increase their wealth during the recession. While 99% of struggling hard-luck people think of how to survive without food and daily necessities in the recession and the coming hyperinflation

I refuse to purchase anything because of a brand name I think it's stupid, I got my little purse at Goodwill, I don't buy expensive purses either I think it's stupid, I laugh at people who walk around with brand names on, I think they're stupid for wasting their money.

When I was in my 20s I always got jealous of women who had luxury bags. And I got stuff expensive stuff and there. However as I got older I set a goal to buy myself something nice for every big goal I achieve. My first adult job I got myself a Saint Laurent bag and I found that works for my hard work AND give myself a treat for that😊 now in my 30s my next goal is to get a condo so my money goes to investing and saving, so my goal abd my treat will be the same🧐

My problem is being a pokemon collector.

Last 1 min of this video >>>>>

In Australia we have the aged pension plus superannuation witch is compulsory for the employer to pay into and you can also add to your superannuation fund by salary sacrificing with tax benefits

U give them your data & they make money with it. Go figure. STOP APPLYING & giving them your data.

A lot of people talked-about it

I bought 3 PS3s used and 2 of them failed with red light in less than a year. I had a similar experience with a refurbished PS2 and a PC (the PC was functional but with a terribly slow hard drive) I would not buy refurbished unless new models are scarse.

If you are approaching your mid 60's, still extremely good at your job, get an entire new engineering function/team setup to be best-in-class and running smoothly, and you make almost twice as much as your team's average salary, look out! Especially if you've been a bother for advocating for your underpaid team to upper management! Happened to me in January. Got pinged by my boss (3rd boss in two years) to join him in a call. It was him and a lady I had never heard of before. Was told my "position" had been eliminated. It was kinda funny, my spouse had been bugging me to retire for the last 1-2 years, so they basically gave me a nice early retirement package! Plus, within a couple of days of them announcing I had been laid off, almost half my team resigned! Lol, then they were scr*wed!