I just encouraged my SO to move what she&#x27;d held in savings to start off her retirement. Now her savings account is just a small emergency buffer with automated minimum monthly transfers to prevent maintenance fees.<p>The only reason I still have a savings account is because I expect interest rates to go up again at some point in my lifetime, and, as petty as it is, I didn&#x27;t want my credit score to take that temporary dip for closing the account.