 don't go chasing like all of what's going on don't go chasing waterfalls and don't go chasing the spread because you found another company that offers a point zero five percent higher rate than you were getting it did you say were to squeeze there uh... but the key is don't go with one of these scummy companies that are like part of it so fire capital one you're seeing a lot of these debt companies start to offer high-yield savings accounts as a gateway drug to get you into their you know grimy little grubby fingers