Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Looking for good investment vehicle for seasonal work and savings
There are no risk-free high-liquidity instruments that pay a significant amount of interest.  There are some money-market accounts around that pay 1%-2%, but they often have minimum balance or transaction limits.   Even if you could get 3%, on a $4K balance that would be $120 per year, or $10 per month.  You can do much better than that by just going to $tarbucks two less times per month (or whatever you can cut from your expenses) and putting that into the savings account. Or work a few extra hours and increase your income. I appreciate the desire to "maximize" the return on your money, but in reality increasing income and reducing expenses have a much greater impact until you build up significant savings and are able to absorb more risk.  Emergency funds should be highly liquid and risk-free, so traditional investments aren't appropriate vehicles for them.