How to maximize savings I’ve been furloughed but thanks to this wonderful sub I am prepared and have 3 months worth of expenses to tide me over until the laboratory I work at opens back up. I have the emergency fund in a local WF savings account that accrues 4 cents of interest a year, while I use a fidelity CMA for my primary spending transactions. My question is if it’s a good idea to send that money to my CMA since it actually accrues interest every month that’s debited to my account? What other high yield savings accounts are there that allow me to still use the money?

I budget every week and am a very disciplined spender. I’m not at all worried I’m going to blow through my emergency fund, I just want it accrue more interest since I’m going to actually need it.