u/SmartInvestor_3006

I’ve been thinking about this lately.

For long-term goals, investing makes sense.
For daily expenses, a savings account works.

But what about that awkward middle zone — money you know you’ll spend in the next 1–3 months?

Like:
Daily Expense
Big payments coming up

Keeping it in a savings account feels lazy (basically earns nothing).
But investing it aggressively doesn’t make sense either.

So lately I came across this post of an app called Multipl and they had a new Idea called High Yield Spending Account, where you can earn up to 7% other than getting the minimum returns in a Savings Account.

Curious if anyone knows some other apps for this?
Because I feel savings account is where a lot of money just sits idle without us realizing.