In this episode, co-hosts Cassidy and Emily give their top banking tips to help you maximize your savings and choose the right bank accounts. They discuss how many accounts you need, the benefits of high-yield savings accounts, and how to avoid fees and find good customer service. Learn the pros and cons of local credit unions versus online banks, and get practical advice on managing cash deposits and online banking. With personal stories and actionable tips, you'll be equipped to make smart banking choices and optimize your finances.

00:00 - Welcome to the Finance Q&A

01:14 - How many bank accounts do you need?

08:17 - What are the top three things I should look for in a new bank?

18:53 - Do you need a local bank?

27:59 - How do I choose the “best” HYSA when rates change so much?

32:53 - How can I make sure I can access my money in an HYSA with no ATM access or debit card?

37:46 - Is it worth switching banks for a bonus?

41:57 - How much we've earned with our high-yield savings accounts

In this episode of The Finance Girlies, Emily and Cassidy unpack their lifelong journeys with money—from childhood perceptions shaped by family and experiences to adult financial habits. They discuss the swings between spending and saving, the impact of early financial fears, and the challenge of finding a healthy balance.

00:00 - Introduction to money beliefs

01:48 - Early money beliefs and first jobs

03:39 - Family influence on money perception

07:01 - Frugality and spending habits

12:26 - Money as a motivator

22:45 - Investing fears and overcoming them

29:45 - You are not bad with money: Developing financial skills

37:46 - The importance of money in achieving goals

42:04 - Facing money fears and taking action

52:02 - Reflecting on money beliefs and next steps

In this episode, we get to know Emily, one half of The Finance Girlies duo. Emily shares her journey from outdoor educator to freelance personal finance writer, her reasons behind the transition, and how she managed her own finances along the way. Emily highlights her experience with saving, opening a retirement account, and making career decisions that align with her values. Listen in as Emily shares how broadening her financial knowledge and taking calculated risks changed her relationship with work and money.

01:00 - Introduction and Emily's background

03:00 - Early savings habits and childhood money memories

05:00 - College years and first job

17:00 - Realizing the limitations of a low-paying job

21:00 - Discovering freelance writing during the pandemic

24:00 - The unexpected security of freelancing

28:00 - Why personal finance matters, especially for women

30:00 - The power of basic financial knowledge

31:00 - Wrapping up