Help us, Saint Larry Csonka.

Some others have said, but it really matters how old you are and what your goals are. But as a general rule of thumb…

1. money for bills and monthly expenses can stay in a low-interest checking (or savings) account. Keep only as much as you need for a month, maybe a bit as a cushion just in case

2. money you’re planning on spending in the next 1-5 years in a high yield savings account (you’ll make higher interest) to use as “sinking funds” or an emergency fund (3-9 months worth of monthly expenses, give or take)

3. invest the rest

And I will never ever ever ever ever write a song about the Sibby.

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Bortles!

I’m a massage therapist just blundering my way through this space…