 and uh as an alternative to your lousy savings account at your local bank you could just also just use a money market fund within your fidelity account that's what i do that's right you can move some of that if you don't want to like sometimes these banks they they really do screw you so you have to keep a certain amount of money to get free checking or whatever but keep whatever you need in there and then you can just move some of the money if you said i've got to keep 20 grand on in the bank account