Best Savings Accounts of 2023 - [United States Banks]

[@EvaHoffmann153]

Protecting your wealth starts with a solid foundation. The best savings accounts in the US, such as those offered by CIT Bank, Capital One, and American Express, provide a safe haven for your assets. With features like high-yield interest, low fees, and FDIC insurance, these accounts help you preserve capital and pave the way for long-term financial growth. Don't risk losing your financial footing - secure your future with a top-rated savings account.

[@henryallard245]

Despite enough savings and investing in supposedly 'recession-proof' stocks with strong profitability and low debt, my $200,000 portfolio has dropped 20% this year. I'm reevaluating my strategy and considering a refresh. What's the best course of action: diversifying across sectors, rebalancing my asset allocation, or exploring alternative investments like bonds, ETFs, or real estate to revive my portfolio's growth?"

[@AshleySommerset808]

In the ever-changing financial landscape, one constant remains: the importance of a tailored savings strategy. Effectively managing risk, staying disciplined, and continually refining your approach are key to achieving long-term financial security. By embracing a growth mindset and seeking guidance from a licensed financial expert, you can navigate uncertainty and make progress toward your savings objectives.

[@TicheDebb0]

I've discovered the benefits of partnering with a savings expert. With their guidance, I've saved over $3 million in just 2 years. Their skillset in risk management, budgeting, and savings optimization has been instrumental in helping me achieve my financial goals. By leveraging their expertise, I've gained confidence in my savings strategy and secured a brighter financial future.

[@TicheDebb0]

Partnering with a savings expert has been a game-changer. In just 2 years, I've saved over $3 million thanks to their guidance on risk management, budgeting, and optimization. Their expertise has given me confidence in my savings strategy and a more secure financial future.

[@MarshalWagner457]

Impressive! can you share more info?

[@barttfisher]

It’s truly amazing. We have a financial crisis, caused by greedy, reckless financial institutions. Congress passes legislation requiring those institutions to be less greedy and reckless. The institutions then lobby to have those restrictions removed, usually in the name of “remaining competitive”. This leads to another financial crisis. It’s completely predictable, and we have been doing this dance since the Great Depression almost 100 years ago.

[@HildaBennet]

Agree; the rules should be applicable to all banks - big or small. First; very few meaningful laws are passed and then this cycle of doing-undoing seems to support deregulation risking the economy and the faith in banks.

[@FinnBraylon]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@PennyBergeron-os4ch]

Mind if I ask you to recomend this particular coach you using their service?

[@FinnBraylon]

I work with Sonya Lee Mitchell as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@lolitashaniel2342]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@chrishagins3309]

1:07 Discover 2:19 Capital One 3:30 Ally 5:45 SoFi 8:16 Synchrony 9:56 Bread 11:02 SalemFive Direct

[@justjojo1666]

ty

[@SpinGoldmusic]

Thanks

[@Oatmealxxx]

THANK YOU

[@mmp495]

This is great ❤

[@DeBongConnoisseur]

Thank you

[@johnsfinancetips]

Top credit cards for 2023 bit.ly/jftcards

[@ThatGuyAlon]

Im loving Sofi! I love that i can have a car fund and a emergency fund bucket within the saving account.

[@23majesticblue]

Me too, I just recently switched to Sofi from my local bank. I like that there are interest rates on both checking and savings. To me that is the best of both worlds and a lot of local banks can’t beat that.

[@j.l.cooper70]

I just opened my SoFi accounts. Customer service gets 4.5 stars!! And I'm enjoying the saving.

[@lurnt5763]

Big tip, add markers in your video for each item if your video is a list format! For ex have a marker for bank account #7, #6, etc.

[@murciwhips]

He wants you to watch the whole video that’s why he doesn’t add the pointers

[@lurnt5763]

​@@murciwhips Ironically I didn't watch the whole video BECAUSE there were no markers lol

[@MariNate1016]

@@lurnt5763 same

[@drewgraham]

@@MariNate1016 same

[@diegoalemany5762]

@@drewgraham same

[@J_parker]

Esto es bastante interesante e informativo, pero si quiere ser financieramente libre, no dependa de una sola fuente de ingresos, invierta para el futuro del mañana, luego vea cuán extasiado estará a su debido tiempo.

[@sylvesterluke5543]

Eso es cierto, después de invertir en criptomonedas, puedo decir con valentía que es una de las mejores y más rápidas inversiones en las que muchas personas están ahora, muy feliz de haberlo escuchado y aprovechar la oportunidad ahora que estoy obteniendo buenas ganancias todos los días. muy feliz por la decisión que tomé.

[@ariadnacebrian4171]

Oye, 👋👋 Si no te importa, ¿puedes hacerme entender cómo obtuviste ganancias en la inversión en criptomonedas? Gracias. .

[@sylvesterluke5543]

En todos mis años de negociación e investigación, la mejor decisión que tomé fue ponerme en contacto con un comerciante experto, el Sr. latin richard, y desde que comencé a invertir con él he recuperado todas mis pérdidas, mis ganancias siguen llegando como nunca antes, mi cartera es mosto $ 72k ahora, muy agradecido señor.

[@Smith.ash2]

Wow, ¿así que también invertiste con el Sr. Latin Richard? este hombre es Relly dominando la zona comercial y facilitando las cosas a sus inversores, siga con el buen trabajo, señor.

[@wilsonjohn1399]

Hola, ¿están diciendo que el Sr. Latin Richard es tan bueno? Escuché que la inversión en criptografía es realmente rentable, estoy interesado, ¿cómo puedo comunicarme con él, por favor?

[@cybereagle19]

I’ve had SoFi for awhile and love them over my credit Union, my interest rate with them continues to go up

[@anthony_707]

How's your experience with the app for Sofi?

[@jacklyn-b1u]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.,

[@randettawolf]

Review your portfolio with a professional and don't make the same mistakes again. Diversify, as in your stock portfolio, and hopefully consult a professional. The key to building wealth is long term. I learned 10 years ago that you have to keep emotions (rookie) out of your investment decisions at all cost. Now, i've made over 800k in profits from my 350k investment.

[@brenda-v7c3k]

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

[@phill-s3s]

Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?

[@brenda-v7c3k]

'Grace Adams Cook' , is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@phill-s3s]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@gregalber4468]

Fidelity money market now 3.93% and buying Tbills is easy and free. Today bought with expiration on May 23 and 4.7%. Plus have bill pay.

[@kimberlychin1996]

1:07 Discover 3.3% APY 2:19 Capital One 3.75% (he says 3.3% 3:30 Ally 5:45 SoFi 8:16 Synchrony 9:56 Bread 11:02 SalemFive Direct edit: CIT bank is at 5.05% now

[@jvines11]

thank you for this

[@noebazan1999]

Discover and Capital One is now 4.15%; Ally is 4% 👀

[@CameronLangleyy]

@@noebazan1999 sounds like capitol one is the best deal then?

[@j.ballsdeep420]

Amex also 4%

[@jvines11]

Sofi is now 4.40% plus up to $250 if you direct deposit.

[@Cohesiv3]

Sofi and Ally would be my top choices. Lots of features and options.

[@kelneshajohnson1156]

I've had a Synchrony High Yield Savings account for years. Pretty turnkey, not many bells and whistles, but they provide an ATM card. It's a nice to have if you're in a bind.

[@brentaguilar6626]

1. Salem Five Direct 2. Bread Financial 3.Synchrony Bank 4. SoFi Bank 5. Ally Bank 6. Capital One 7. Discover

[@triciastecklein1748]

Bread!!!!

[@badkawaiikitty]

I like your personality! So well explained. I need a finance course from you 😄.

[@AdamBA380]

Mate you have branded yourself so damn well 👍🏼

[@ThaddeusWoloszyk]

John, your information was wery usefull for me. Thank you, keep going!

[@PrisonMikeTheConvict]

Hey man check your FPS to get rid of those lines in your video. Try to stick with 24 do’s in your camera setting or use different lights that don’t mess with the shutter frequency!

[@YoungerDavidAa]

Very informative but more important understandable. Thanks for the video, keep it up!

[@kelisyahwheeler5376]

This was my first time seeing one of your videos. Thank you for the information

[@goldybardin9216]

Unfortunately Sofi doesn't allow you to set up a beneficiary yet. Having just gone through the probate process for my mother in law's estate, I now realize just how important this is.

[@jw4172]

Just write it down in a will

[@michaelboone5113]

Marcus by Goldman gives 4.3% if you refer it. And $100 if you fund it with $10,000 and do direct deposits. I’d put it on there if you can refer

[@yadirarivas6254]

Did you mean 3.3%? That’s what I see it at right now 😢

[@michaelboone5113]

@@yadirarivas6254 if you refer someone your 3.3% goes to 4.3% for 90 days.

[@rubenfabela9285]

@@michaelboone5113 it’s at 4.3 for only 90 days???

[@michaelboone5113]

@@rubenfabela9285 if you’d like 4.3%, I can get you 4.3%. You get it for 90 days then can keep 4.3% if you do a referral. If you sign up normal, you just get the 3.3%. It’s an additional 1% APY for 90 days if I were to refer you, and you’d get an additional 90 days for every referral. Hope that helps! Also, you need direct deposits for the full amount!

[@1drummer172]

Bank interest rates are finally returning to normal; I was earning 6% on my Presidential bank account in 2007.

[@JSRJS]

SOFI is 4% interest and also now has 2 million FDIC insurance instead of the $250k for free.

[@liuamy1273]

American express is now offering 4.3% with one year or two years options

[@curmudgeonextraordinaire1884]

Capital One is great. Savings and checking.

[@christianmontenegroaraya1888]

Thanks for all your help and useful information and congratulations for the 100k!

[@johnsfinancetips]

Thank you Christian!!

[@lost1811]

Super helpful vid !!!

[@mojavedesertsonorandesert9531]

New subscriber, greetings from Palm Springs CA. 🌵🌴💰🌴🌵

[@DJSliick]

I'm rockin wit Amex Savings Account right now

[@haroldcrown5541]

The 6 transactions per month are “Regulation D” up until 2020 the federal government had a limit of 6 transactions per month without sacrificing your interest rate. In 2020 they removed the limit the banks probably haven’t made that adjustment and their system may not allow it.

[@mattatwar]

Discover states the 6 transaction limit is currently not enforced.

[@haroldcrown5541]

@@mattatwar yes they have that option now.

[@CT-lo9ot]

Great tips! Thanks!

[@eternalbeing3339]

Very helpful video thank you.

[@johnsfinancetips]

Do you have any of the savings accounts I listed?

[@jonathanc2894]

I have Capital One and have been happy with them so far

[@boysherman]

Have had Synchrony for years, although I hark back to the mid 90s earning over 6% in my Zurich Money Market Account!

[@rickyhawley3482]

Thought about getting capital one, but the withdrawal piece has me thinking

[@RonFel52]

I have had CapitalOne for a very long time. However, I also have Bask Bank. 4.15% Check it out.

[@lonz0_0]

Ally

[@heidirobinson3352]

Thank you for this video.

[@enriquemiranda563]

This video helped me so much 😮‍💨

[@navinarjuna6254]

"i wish i had that problem" 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣 . that was world class acting right there! great video thank u.

[@Alexedmartin]

No doubts , A good way of growing and saving your money is through investing . You don't need to have much before you can invest. "That little money you have now can make you millions if you invest it wisely". I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made

[@kels8872]

What would you suggest people to invest in?

[@lizbethzapata1119]

what passive income do you have? i currently have working a 9-5 to five but i'm trying to create passive income as well as invest into something. What would you suggest?

[@Alexedmartin]

Indeed, successful investing often requires a solid foundation of knowledge. In my journey, I've found that having a trusted financial consultant is key, especially when it comes to selecting the right assets. I've been working with Regina Louise Collaro, an investment advisor associated with a licensed wealth management firm, and my financial experience has significantly improved. Her reputation in the industry is quite remarkable, and her guidance has led to financial stability and regular passive income. I highly recommend considering an experienced investment advisor for your financial goals.

[@Alexedmartin]

Regina Louise Collaro is located in the United States but offers her services to clients worldwide. If you're interested in connecting with her, you can easily find her contact information through an online search

[@ugojazzy7812]

personally, I'm blessed and realizing I'm not the only one working with Regina Louise Collaro. I will consider myself lucky. I've been able to feed and make a living through her advice and great work. For such a person as Regina, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does..😊

[@Rheologist]

I’ve been looking around and now I’m seeing many 4.5% APY accounts !

[@gearhead1308]

American Express HYSA you can transfer your cashback to the account by calling the customer service and also no fees and 3.3% APY

[@cemperor10]

Great video

[@mmp495]

This was so helpful. ❤❤❤

[@brettmillerlive]

Wealthfront Cash Account, 3.8% loving it

[@MIchaelGuzman737]

Insightful video. I just want to know best how people split their pay, how much of it goes into savings, spendings or investments. I'm 27, and earn nothing less $150k per year, but nothing to show for it yet.

[@CynthiaByrd648]

When people have money, they spend it. And some people spend more money when they have more of it. If you want to improve your financial management, you should consult with a financial advisor.

[@sommersalt88]

@@CynthiaByrd648 That's right, you can avoid the traps of lifestyle inflation by consulting an expert advisor to help you plan for your short- and long-term goals; it all comes down to proper guidance. Over the past two years and six months, I have seen my income build wealth and now have a fully paid off house and at least $650,000 in stocks. All this is the result of subsequent investments with my savings and the application of expert advice.

[@Americanpatriot723]

@@sommersalt88 Nice, who is the Financial Advisor aiding you if this is not much i'm asking? my retirement plans are going down the drain with my 401k particularly losing everything it gained ever since 2021.

[@sommersalt88]

Her name is "JILL MARIE CARROLL", can't divulge much. Most likely, the internet should have her basic info, you can search her online as she is SEC and FINRA regulated.

[@Americanpatriot723]

Thanks for sharing, I just looked her up on the web and I would say that she really has some impressive investing experience. I will write you an email shortly.

[@ChefChrisDay]

Boston represent!

[@kimberlyreuter2981]

Very helpful thanks

[@Bananamaltastic]

M1 Spend offers a 3.3% APY Checking account with 1% cash back on debit purchases. The catch: Requires annual M1 Plus subscription ($125) which also includes a couple other benefits for their invest, borrow, and credit card offerings.

[@lesleyheller2271]

1. FDIC only covers up to $250,000. If you have more than that you must find another bank for the next $250,000 to be FDIC insured. 2. Treasury bonds are limited to $10,000 per year.

[@emaxulit1]

Wrong

[@johnl9135]

As of 4/25/23: Primis Bank has APY 4.35% - 4.77% both checking or saving account.

[@amh424]

I have SoFi, and it has “vaults” that are similar to Ally’s “buckets” or whatever they call them. I love this feature, and I’m glad that I didn’t have to open multiple accounts to partition my savings in this way.

[@nickv4073]

Buckets? Why? Anyone who graduated grade school should not need buckets. They can do the math in their head in seconds. It ain't rocket science. Buckets are a useless feature.

[@undearwearman654]

Along with the 3.75% 😮‍💨

[@ohShnapss]

@@nickv4073 Why not? Buckets are useful if you have multiple budgets (travel, car, house projects, etc.)

[@samuricexful]

@@nickv4073 Okay, can you tell me what 15%, 12%, 4%, and 3% of $948.33 is within seconds? Buckets save massive amounts of time, not just with "the maths".

[@oncecursed1]

@@nickv4073 why waste the effort if there’s a way to do it seamlessly? Not everything needs to show your intelligence lol

[@Channing_Gosling]

Juno is 5% on balances up to $25k and then it’s 3% on amounts above that.

[@rebekahdempsey3966]

How's the customer service and ease of use? Do they have consistently high rates?

[@Channing_Gosling]

@@rebekahdempsey3966 Customer service has been excellent. They have a chat with agents that actually are able to help - I was able to have them manually give me my welcome bonus just by going through the chat. Much better service than other most fintech banks. They also have a discord server and their management actively participates. In terms of ease of use, it’s an excellent app design. Also they have an extra rewards system where you get both cashback plus in-app rewards called JCoins that can be used to purchase Ledger Xs, gift cards (in near future), and to bid in NFT auctions. Since I joined the rates are the highest I’ve seen on the first $25k on deposit. Above that the rate is still good (3%) but you’d be better off using another bank for amounts over $25k. Hope that helps.

[@EddioFabio]

Love that you have stepped into longer form content. Please consider adding markers for the video though. Also your volumes seem to vary a bit

[@stoptheinsanity]

Primis is offering 5.03% right now.

[@annetted8113]

I've been very pleased with my barclay savings account. 3.4.

[@Stephanie_12345]

Hello John, thank you for your informative and useful videos.

[@johnsfinancetips]

You are very welcome, thanks for supporting the channel!

[@helotmotto]

PNC ran a promo for their online high yield saving at 4% a few months ago in select U.S. market. It's completely liquid with no maintenance fees. As of this writing it is no longer offered.

[@casarose36]

Thanks for the video, I like the way you explain everything. Which of these accounts would you suggest for a home down payment?

[@anne.margaret]

Your video came at the right time! I'm currently shopping/researching for high yield savings account. Thoughts about Wealthfront?

[@nathanweinstein-molloy9644]

Dedham savings bank offering 5% up to $1000. Good to stow away a rainy day fund.

[@ShimmyMD]

I would add Wealthfront Also SUBSCRIBED! Awesome content! I will look into the treasury bills!

[@fleriaa]

Dollar Savings Direct online savings bank currently has 3.5% APY, no fees. No frills and can only access by transferring to a checking account, but a pretty decent interest rate

[@shimon10]

American Express offers 3.5% right now

[@danstropicalquest]

I'm currently looking into opening a high yield savings account as a backup for my Charles Schwab account. I'm planning on slow traveling around the world soon and Citi Bank looks like a good backup for me with their Priority account.

[@realestateunplugged6129]

Enjoy your journey man. Think about God while you're in exotic cultures. Safe and happy travels to you brother 👍☝

[@trinca5826]

Can you recommend a online bank that uses Visa, sofi and ally use Mastercard which I don't like cause I have trouble paying at Costco or california dmv

[@tammytruong4824]

great video - the only thing I could think to add for an interesting topic was ibonds specifically.

[@richbarrett]

Absolutely.

[@vstarr888]

This is nice.

[@ow5966]

PayPal and synchrony Bank interest rate is 3.75 APY

[@ahmedghazy1642]

1 more significant limitation for Bonds is that limit in 10k$ per person annualy

[@johnsfinancetips]

that is specific to I Bonds. Regular Treasury bonds have no limit. Great point though!

[@Bjkesitleri]

Yea Navy federal gave me a really high limit.I applied and was denied at first so I got a Cognitive hacks,and I was approved for a capital one.The limit was so small lol but I took it and worked on it.Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit.they're still working on increasing the capital one since it was so low.All in all I’m satisfied.

[@huipingny]

What do you think about E*trade and Marcus saving accounts? Both are paying over 3%. How do they compare to your top 7?

[@christopherbownes494]

They should clearly be in this list. They're giving 3.5%.

[@StevenLynn]

Loving SoFi. Tried to open a Schwab (insert their super long checking/savings account name here) and was rejected. 😥No Schwab Platinum for me down the road.

[@mondoraj]

That six withdrawals is a federal thing. That happened to me with my credit union...it cost me $30 and they denied my IRA deposit.

[@johnsfinancetips]

ahhh that's good to know, thanks for sharing that!

[@adaywithaleks6556]

That's a shit rule

[@Instakhamz]

Enzo I have it no issues no restrictions so far at 4.03% should be considered.

[@kratesh]

For anyone who looked at the video and tried to open an account with Salem five direct. You NEED to be a US Citizen to be able to open the account. If you are on a visa they will deny your application (I tried). On that note, can anyone list which of the accounts are available for US residents with a Visa (no green card)?

[@beforetimes_mnl_va]

Did you find any? Im on visa too

[@sasitempu5901]

I opened in SOFI after watching this video. Just making a 50$ direct deposit for every paycheck to this account and they are offering 3.75% fixed interest.

[@maritestaylor8458]

Awesome 😎😎😎😎😎😎 video

[@JohanneMonfiston]

keep in mind those interests are variable most if not all of them charge for outgoing wired or 1 or 2 other fees. For example, I spoke with a bread financial representative they charge 25 dollars for outgoing wire transfers, 15 dollars for official checks, and 5 dollars per paper statement however no fees for online transfers. Also be mindful of how soon you would need the money to plan for withdraw time to avoid extra fees.

[@pedromata3931]

Wealthfronts pretty great too

[@FatStacksAcademy]

Yeah they get 4.3 too if you refer or sign up on a referral

[@prissysaysso419]

I love my 360 I never noticed you can’t take the money out directly because I always transfer it to my checking anyway

[@dkgong]

If you don’t need the money for a year, you can get a 1-yr cd at 5.0% right now.

[@G_Machine_Joe]

No mention of LendingTree\LendingClub? Same or better savings account features as others with a currently 4% APY.

[@stevenwinsu]

I like your videos and appreciate the work you put into them but the pop up sound effect for text really bothers me and makes me want to stop watching, please consider changing it in case it’s more than just me with an issue ❤

[@stevenbeck7282]

Good video. The six withdrawal per statement period had nothing to do with the bank. It’s the law for savings accounts as opposed to checking accounts that have no limits.

[@Tony36847]

Used to be the law

[@judyland-obrien4259]

Really great information! Very clearly explained, John!! Glad I found your channel this evening...I'm thumbed and subbed up! Looking forward to previous and future videos. Thank you so much!

[@cykilledkenny]

Yotta made it super easy to buy a treasury bond. All through the app.

[@ryanjamesr_]

Paypal opened their savings account through Synchrony bank so thats cool!

[@Gstar47]

I know of synchrony because they are my credit card for Google

[@michealmccallion1994]

What do you think about Amex high yield savings? I have the gold card and have thought about opening their savings

[@TheDeviousLight]

The Amex savings is a solid choice, that’s where I have my primary savings. Great customer service with good rates as well. If you gave Amex cards that you yes frequently I say go for it.

[@xEricSam]

Trying to save in middle life wish me luck ✌️

[@shojus]

CFG Community Bank is at 4.15 and has been good to me! They only have 2 branches in Maryland so they aren't huge, but have been consistent with rates for several years.

[@Bodangers]

I'm in MD. Will check it out, thank you

[@ZakBoxer]

No Marcus? They’re also at 3.3%

[@josemiranda2490]

How does everyone feel about credit karma savings account? It’s at a 3.75APR.

[@Triple88a]

Can you make a video specifically to the government savings bonds? thanks.

[@JojoLannister]

The top 3 should be the bottom 3. I wouldn’t put my hard earned money to a bank I’ve never heard before, don’t care how big the interest. SoFi is my #1.

[@JavisoGaming]

What about Amex HYS? I love them! Along with GS Marcus. Can’t have more then $500,000 in any account else no FDIC.

[@amieswiger7988]

I'm surprised you didn't mention Wealthfront. 4.8%

[@snakeboy2904]

I'm using Wealthfront with a 3.8% rate.

[@connerpoppke6780]

What are your thoughts on CIT Bank? I am surprised that you didn't mention them

[@NealIRC]

.05% interest for savings, in Illinois.

[@crottymcnaughty]

Where did you get your background lights?

[@johnsfinancetips]

Philipse Hue and Nanolights!

[@fernandovalencia2905]

would you recommend Wealth front high yield savings ?