Waiting to build up your savings before shifting your funds into a high-rate account may seem like the smart move to make now, but a quick look at the interest you're currently accumulating with a traditional savings account should cause you to quickly pivot. With the average rate on a traditional account just 0.38% (an actual decline from March when it was 0.39%), not only are you not earning nearly as much interest as you should, you're technically not even keeping pace with inflation , which

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