I just made a SoFi HYSA and pretty excited to start saving. I was leaning towards SoFi for a while now but the tipping point for me was learning about their vaults, I feel like its a small nice perk that's convenient that I've been hoping I'd had for a while.
So I set up my vaults for my future vacations and etc. But I'm a little confused on the interest accrual aspect of it. Lets say every 3 months I have a domestic or international vacation. Each paycheck, I keep money into the vault. But when the trip comes around, I have to take out the money to pay expenses and I don't accrue anymore with that money.
Is the optimal method to keep your money in HYSA until you need to pay it off on CC as late as possible to maximize your money in your HYSA?
I hope this makes sense, I'm very new to this so I appreciate all the help in advance! :)