 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 10 20 percent we're not investing this is for short-term goals think one year two year three year four year goals a high yield savings account is a great place on top of your emergency fund and what you're going to see is this word apy annual percentage yield