conversation: User (help_my_money): "Title says it all. I graduated 7 months ago and luckily a job at 35k the day after. I have saved 10k of that so far. I only send $20/mo to my savings I believe. I want to help better managing this. I live with my parents so my expenses are pretty low. I get about $2100 a month after taxes. Do I get a credit card? What kind? Any advice is appreciated!"
  Self: "Why do you keep so much in your chequing account and so little in your savings account? Surely you're missing out on earning interest.\n\nAm I missing something here? This seems very counter-intuitive..."
  sailingonward (sailingonward): "Not sure where you or OP is, but in the USA interest rates are so low that it doesn't really matter."
  Detached09 (Detached09): "Any money is good money. Even if he's earning 1% in savings, that's still $100/yr assuming it's not compounded monthly. I mean, that's not much. But it's still better than nothing. "
  SubtleHMD (SubtleHMD): "0.1% is the what is most common in California. "
  rlburnside (rlburnside): ".8% with ING."
  