 that you're getting on your money so you have a hundred thousand dollars sitting in there if that balance just sat there over those twelve months you would make five thousand dollars which is pretty sweet for doing nothing and so we talk about having your money work harder for you and that's why i recommend people store their emergency funds their big savings like a home down payment you're saving up for a car because once you get that ball rolling it's nice to make a little bit of dough so the goal here is not to make ten twenty percent we're not investing this is for short-term goals