BTW, if you're a high-income or mid-career professional transitioning into a more serious stage of life; whether you’re growing a family, building your retirement, or shifting from a consumption to a wealth-building stage, and you’re feeling overwhelmed by the complexity of it all, this is for you. If you’re asking yourself: Am I really doing well? How do I know I’m taking the right steps? Should I pay off debt, save, or invest for retirement first? How can I prepare myself financially for my new family? Why am I still broke if I make good money? What if I make the wrong choices and mismanage my finances? How can I align my finances with my partner when we have different financial habits? I can help you: Get a set of prioritized, actionable steps to reach your financial goals Achieve peace of mind knowing you’re on the right track toward long-term financial security Turn financial stress and uncertainty into clarity, control, and confidence Optimize your finances without sacrificing your lifestyle Streamline your financial plan to align with your unique goals Just how I helped my client Steve, who said: "Alex provided great clarity in working through financial steps for improving my short and long term goals. He thoroughly explained all questions I asked, and gave insight into details for an exact plan for a fantastic financial foundation." I can help you next. I don’t work with everyone, and I want to ensure I can help you in the best possible way. Your satisfaction is my utmost priority. Here are the requirements: You must have a stable job in the USA. You must be at least 25 years old. You must be committed to optimizing your financial future. You must be responsible and ready to take action. You must be open to learning and implementing new strategies. This is a 30-minute strategy call where we’ll dive into your financial challenges and goals to see if we’re a good fit to work together. This is a limited opportunity to gain clarity and control over your financial future. Don’t leave your finances to chance, and stop wasting time. Schedule your strategy call today and start transforming your financial life for the better. alexisidro.com/DiscoveryCall
UFB lowered their rates TWICE within a 2 months period. Currently at ~4.57% APY. Anything less than 5 is not worthy. There are so many banks offering 5%, and some offering more than 5.
I have found that UFB Direct seems to pay less interest on the exact some amount of money as my other HYSA. Even though the interest rates are the same on both accounts.
The APY (5.25% when I opened the account, now is 5.15%). No monthly fees, no minimum required to open the account, and the best thing is the ATM, a few savings accounts gives you an ATM/Debit card.
Can you cover Wealthfront’s FDIC please? I read comments about people being afraid it’ll turn out like yotta so now I’m scared too lol (just opened an account)
@@alexisidro thank you!! I’m slowly but surely binge watching your videos (I am new to HYSA). For Wealthfront, I am just wondering exactly how the FDIC insurance would work since it’s not a bank. Yotta was also FDIC insured but it looks like a lot of people cannot access their money… idk if my money is safe in Wealthfront so I would love to know if it is so I can have that piece of mind.
According to my brief research yotta and synapse which are the two institutions involved in that case weren't eligible for FDIC insurance, they would advertise it because they were partnered with banks who were FDIC insured.
BTW, if you're a high-income or mid-career professional transitioning into a more serious stage of life;
whether you’re growing a family, building your retirement, or shifting from a consumption to a wealth-building stage,
and you’re feeling overwhelmed by the complexity of it all, this is for you.
If you’re asking yourself:
Am I really doing well? How do I know I’m taking the right steps?
Should I pay off debt, save, or invest for retirement first?
How can I prepare myself financially for my new family?
Why am I still broke if I make good money?
What if I make the wrong choices and mismanage my finances?
How can I align my finances with my partner when we have different financial habits?
I can help you:
Get a set of prioritized, actionable steps to reach your financial goals
Achieve peace of mind knowing you’re on the right track toward long-term financial security
Turn financial stress and uncertainty into clarity, control, and confidence
Optimize your finances without sacrificing your lifestyle
Streamline your financial plan to align with your unique goals
Just how I helped my client Steve, who said:
"Alex provided great clarity in working through financial steps for improving my short and long term goals.
He thoroughly explained all questions I asked, and gave insight into details for an exact plan for a fantastic financial foundation."
I can help you next.
I don’t work with everyone, and I want to ensure I can help you in the best possible way.
Your satisfaction is my utmost priority.
Here are the requirements:
You must have a stable job in the USA.
You must be at least 25 years old.
You must be committed to optimizing your financial future.
You must be responsible and ready to take action.
You must be open to learning and implementing new strategies.
This is a 30-minute strategy call where we’ll dive into your financial challenges and goals to see if we’re a good fit to work together.
This is a limited opportunity to gain clarity and control over your financial future.
Don’t leave your finances to chance, and stop wasting time.
Schedule your strategy call today and start transforming your financial life for the better. alexisidro.com/DiscoveryCall
UFB lowered their rates TWICE within a 2 months period. Currently at ~4.57% APY. Anything less than 5 is not worthy. There are so many banks offering 5%, and some offering more than 5.
Fantastic video
Thanks a lot, what did you find most helpful?!
I have found that UFB Direct seems to pay less interest on the exact some amount of money as my other HYSA. Even though the interest rates are the same on both accounts.
Interesting…just making up numbers, what is the difference? Let’s say you have $1,000 deposited.
I opened a HYSA almost a year ago. No complaints whatsoever. The ATM card is a great +.
What do you like about it?!
The APY (5.25% when I opened the account, now is 5.15%). No monthly fees, no minimum required to open the account, and the best thing is the ATM, a few savings accounts gives you an ATM/Debit card.
Only thing missing here is that I can't link the account to Zelle.
So to update the rate you have to call but if the interest go down they do it on the spot lol
haha yes, of course. Isn't that amazing
I heard a lot of people are having that problem with UFB DIRECT. Dirty tactics like that is why I did not open an account with them.
Its 5.15% now
Thanks for the update! What are your savings goals? I’m curious
I almost went with them but something didn’t feel right so I didn’t go through with it
Who did you go with?
Greetings. How do you compare this to Sofi? I'm deciding between these two.
SoFi requires direct deposit, but it's a better option for me.
Too much fluff, get to the point brother
I like fluff lol
Its 4.83% now.
I've noticed! Many going back down
It’s 4.01 now
Can you cover Wealthfront’s FDIC please? I read comments about people being afraid it’ll turn out like yotta so now I’m scared too lol (just opened an account)
I'll look into it! Maybe make a vid about it. Thanks. Any specific questions you have?
@@alexisidro thank you!! I’m slowly but surely binge watching your videos (I am new to HYSA). For Wealthfront, I am just wondering exactly how the FDIC insurance would work since it’s not a bank. Yotta was also FDIC insured but it looks like a lot of people cannot access their money… idk if my money is safe in Wealthfront so I would love to know if it is so I can have that piece of mind.
According to my brief research yotta and synapse which are the two institutions involved in that case weren't eligible for FDIC insurance, they would advertise it because they were partnered with banks who were FDIC insured.
@@diegogarcia8805 Yeaah.. but that’s what worries me about Wealthfront too, because they also partner with banks that are FDIC insured
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