I notice you haven’t posted anything to this community. Have you considered helping contribute to make this a better place?

Charleston is one of the greatest cities in America

Go find that old post from AskReddit and follow it to a tee.

Outside of that, I’d probably buy a house closer to downtown, buy a new truck, and start to figure out how I can increase the quality of education in rural South Carolina.

Banks use your money to invest. They only have to have a small percentage of their holdings in cash on hand so they can invest, make money, and pay you interest.

Your money isn’t just sitting in a vault at your local Bank of America branch.

High yield savings accounts are over 4% but their rates fluctuate. I put money in at Ally a few months ago when they were near 3%.

It’s a nice way to park some cash that is easy to get in an emergency.