Honestly savings account interest rate doesn't matter. If you're keeping a significant amount in there that you don't need to spend in the next 90 days, you're

Honestly savings account interest rate doesn't matter. If you're keeping a significant amount in there that you don't need to spend in the next 90 days, you're probably doing something wrong and should invest it in I bonds or something like Betterment Safety Net. If you do have that much in short term savings, then that savings interest is taxed as ordinary income, pretty bad for a high income tech worker.