Accounts to build your money system
what I personally use + resources to help you choose yours
Quick disclosure: Some links are affiliate or referral links, which means I may earn compensation if you sign up through them. I only share links I believe are genuinely helpful to you.
A little note about NerdWallet 💛 Some of the “Compare” links in this guide go to NerdWallet, which I partner with as a paid creator. I like their comparison pages because they let you compare things like rates, fees, features, and other account details in one place instead of researching every option separately. Hope this saves you some time, too!
High-Yield Checking
I love that my money can earn interest even while it’s sitting in checking, but my favorite feature is the ability to organize my money into different pockets for bills, spending, and other expenses.
It makes budgeting so much easier because I can quickly see what’s available in each pocket. Plus, I can set up automations to move money around without doing everything manually.
*Subject to the current offer terms. Crew is a financial technology company, not a bank. Banking services provided by Bangor Savings Bank, Member FDIC. Annual Percentage Yield (APY) is variable and may change after account opening. The advertised 3.2% APY is accurate through October 31, 2026. There is no minimum balance or deposit required to obtain the advertised APY. Fees may reduce earnings.
High-Yield Savings
where I keep my emergency savings + sinking funds
I prefer keeping my savings separate from checking so I’m not tempted to dip into them when I overspend.
I also love accounts that let me organize my savings into separate vaults or goals, whether it’s for emergencies, travel, or other expenses.
High-yield savings accounts typically earn more interest than traditional savings accounts, and there are several good options to compare.
Employer-Sponsored
Retirement Accounts
401(k), 403(b), 457(b), etc.
These accounts are offered through your employer, which generally determines the plan provider. You’ll typically enroll through your workplace benefits portal.
Check with HR to learn about your options, employer matching contributions, and how to get started.
Investment Accounts
Roth IRA, Traditional IRA, Brokerage & more
I personally use Fidelity for my investing accounts. It’s actually the platform I was introduced to when I first started investing, and I’ve continued using it.
But there are several reputable platforms out there! When choosing one, I’d compare things like available account types, investment options, fees, and how easy it is to use.
Remember: Your system can look different than mine. Find what works for your goals and your money system.
*For educational purposes only. Rates, features, and promotional offers can change. Investing involves risk.