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Why I Don’t Use a Savings Account Anymore (Earn 4.3% Instead)
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Why I Don’t Use a Savings Account Anymore (Earn 4.3% Instead)

  • January 12, 2026
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My Book is Now on Amazon (How to Build Wealth More Effectively) English Version: https://www.amazon.com/dp/B0DSLT8SRZ …

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Money Tips

Previous Article
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38 comments
  1. @clearvaluetax9382 says:
    January 12, 2026 at 7:34 am

    Join our investing community on Patreon: https://www.patreon.com/ClearValueInvesting

    💵 Receive FREE STOCKS (as a sign-up bonus) when you open a free stock market account: https://a.webull.com/i/ClearValueTax

    Reply
  2. @leanbodycoaching says:
    January 12, 2026 at 7:34 am

    Once again, thank you, and great content.

    Reply
  3. @jojowatchmojo says:
    January 12, 2026 at 7:34 am

    Hi, i'm pretty young, and am about to open my first HYSA and brokerage account. I came across this video, so would it be a good move to open a HYSA (like everbank) and invest in SGOV?

    Reply
  4. @sue8237 says:
    January 12, 2026 at 7:34 am

    Love your videos -so helpful and informative. Please keep making them!

    Reply
  5. @jlprescott7243 says:
    January 12, 2026 at 7:34 am

    Wow, brilliant! Let me try. Cheers!

    Reply
  6. @dungphan69 says:
    January 12, 2026 at 7:34 am

    Thanks so much for your value video!

    Reply
  7. @albesmith9271 says:
    January 12, 2026 at 7:34 am

    Blackrock is detrimental to our society. Thanks but no thanks. I'll look for another source for TBills.

    Reply
  8. @Pcorrea908 says:
    January 12, 2026 at 7:34 am

    How do I hire you to wealth manage money?

    Reply
  9. @ArnoldsDesign says:
    January 12, 2026 at 7:34 am

    I wonder if Vanguard has something like this?

    Reply
  10. @catmando4448 says:
    January 12, 2026 at 7:34 am

    Thank you, Brian!

    Reply
  11. @poochewcaboo1860 says:
    January 12, 2026 at 7:34 am

    my etrade savings pays 4%

    Reply
  12. @tree3po says:
    January 12, 2026 at 7:34 am

    handing over 100's or 1000's of dollars to BLACKROCK so we can get pennies on the dollar while they get to invest the millions. F THOSE CREEPS, BRO!

    Reply
  13. @BigHuh123 says:
    January 12, 2026 at 7:34 am

    Bots in comments

    Reply
  14. @wallofsoundandmusic345 says:
    January 12, 2026 at 7:34 am

    Do you have to pay captial gains tax when you sell?

    Reply
  15. @quartytypo says:
    January 12, 2026 at 7:34 am

    Bank savings pay so low of an interest rate that you might as well put the moolah in a checking account. That way you always have full access to your dough.

    Reply
  16. Anonymous says:
    January 12, 2026 at 7:34 am

    These are the only 4 index funds you need to hold for life. VT, SCHD, VOO, QQQ.

    Reply
  17. @gophop says:
    January 12, 2026 at 7:34 am

    Very useful. Thanks!

    Reply
  18. @Biblical2Tim1-7 says:
    January 12, 2026 at 7:34 am

    Im geetting 3.75 ow in sweep account and sgov only averages 2.89% since may 2020 Current 30 day yield is 3.70 and it coat to buy.

    Reply
  19. @ethanadams8165 says:
    January 12, 2026 at 7:34 am

    I wouldn't worry about BlackRock too much; you can be sure they will be considered "too big to fail" and get however much government bailout money the ask for.

    Reply
  20. @Ocejibgtce says:
    January 12, 2026 at 7:34 am

    I pocket around $120k a year and hand is tax free. Two cars no payment. House with $1700 mortgage plus the extras that come with that. I’m still unable to save anything with out essentially eating extremely plain which obviously doesn’t work for having g a young child and a wife.
    There’s literally no hope for keeping this going unless a nuclear bomb hots. I’m just begging for the entire electrical grid to collapse so everyone is once again on level ground. I sacrificed my youth to this country so I can get old and fucked over paying out the ass just trying to keep away from the violent blacks and the never ending flow of Hispanics and Indians. My country was nothing more than a dream I was sold. Little did o know that the way my ancestors lost their homeland was to simply give non-whites the chance to steal it

    Reply
  21. @alkaline3254 says:
    January 12, 2026 at 7:34 am

    Don’t etfs usually charge a fee though ? I’m too much of a cheapskate 😅

    Reply
  22. @CuriousEarthMan says:
    January 12, 2026 at 7:34 am

    Very helpful! Thank you very much!

    Reply
  23. @outOfTheBox64 says:
    January 12, 2026 at 7:34 am

    Will you ever loose your capital in a t bill etf?

    Reply
  24. @daconnoisseurrex1752 says:
    January 12, 2026 at 7:34 am

    ⚫️🪨

    Reply
  25. @callmeishmaelk767 says:
    January 12, 2026 at 7:34 am

    Is there a preferred date every month to buy in?

    Reply
  26. @callmeishmaelk767 says:
    January 12, 2026 at 7:34 am

    Excellent information. I recently did just this. Glad to see it's a sound plan. I actually open up a treasury direct account but the whole auction thing is confusing so I went with SGOV, good to know it's basically the same thing without all the hassle.

    Reply
  27. @justinbowe38 says:
    January 12, 2026 at 7:34 am

    Why when I get that in my savings account

    Reply
  28. @ronbell9096 says:
    January 12, 2026 at 7:34 am

    wouldnt this be income and take a tax hit upon withdrwal?

    Reply
  29. @marcspace5144 says:
    January 12, 2026 at 7:34 am

    I keep my CASH….in my ASS 😂😂💰👍💩
    Later take it to a money 💰💰💰💰 laundry and….all clean CASH 😂🤣👍

    Reply
  30. @ThePathOfLeastResistanc says:
    January 12, 2026 at 7:34 am

    How is SGOV better than SPAXX?

    Reply
  31. @becky1734 says:
    January 12, 2026 at 7:34 am

    Sorry but the risk of default by the government is 💯. I do not trust the government at ALL. Bye bye

    Reply
  32. @soli.deo.gloria says:
    January 12, 2026 at 7:34 am

    Another con would be the temptation to wait for monthly interest payment. Limits liquidity in an emergency.

    Reply
  33. @travistarr9433 says:
    January 12, 2026 at 7:34 am

    Great video

    Reply
  34. @teasquared09 says:
    January 12, 2026 at 7:34 am

    You fkd me on bitcoin in 2022

    Reply
  35. @dayvidwithay says:
    January 12, 2026 at 7:34 am

    Bet🫱🏽‍🫲🏾

    Reply
  36. @Slaytheday388 says:
    January 12, 2026 at 7:34 am

    Is the tlt concidered a t bill, I have been buying the TLT lately and I noticed they’ve been paying me dividends

    Reply
  37. @EBMB21 says:
    January 12, 2026 at 7:34 am

    I’m retired and I need monthly income from selling my house. I want to make sure my money lasts for years to come. I have a small amount of IRA but I plan to keep it invested. How should I invest $700k?

    Reply
  38. @hermitmoney says:
    January 12, 2026 at 7:34 am

    I use BIL

    Reply

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Featured Posts
  • Why I Don’t Use a Savings Account Anymore (Earn 4.3% Instead) 1
    Why I Don’t Use a Savings Account Anymore (Earn 4.3% Instead)
    • January 12, 2026
  • Millionaire explains: How to invest first K 2
    Millionaire explains: How to invest first $10K
    • January 11, 2026
  • 6 Best Subscription Manager Apps to Track & Cancel Subscriptions 3
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