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rougebit OP t1_jefh7lv wrote

Thanks, I actually looked into Marcus as a HYS and I was also able to get a refer code to get it to 4.5x for a few months then back to 3.5x.

You're actually right, there's no need to have that much money sitting in a regular savings when it could be somewhere else. I've also maxed out my IRA for the year - thanks for the tips!

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