Whether you have a large, five-figure amount in your savings account or soon expect to, thanks to a larger-than-usual tax refund , it's critical that you get as much out of that money as possible. And, if you have an amount like $40,000 in a traditional savings account , you simply aren't. With an average rate of just 0.39% , not only are you not keeping pace with inflation (which sits exponentially higher right now), but you're virtually losing money by not shifting those funds into a high

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