• Sabata11792@kbin.social
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    11 months ago

    “Every dollar you set aside will compound.”

    Out of touch as fuck. If the fees don’t take it, the inflation will.

      • JDubbleu@programming.dev
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        11 months ago

        Use a brokerage like Fidelity as your bank instead of these fuckers at Chase and BofA who don’t respect you despite you giving them your money.

        Doesn’t have to be Fidelity, but in the current day if you’re not getting the following from your bank you’re getting fucked:

        • $0 minimum balance, $0 in account fees
        • No overdraft fees
        • Minimum 4% APY on savings, minimum 2% APY on checking
        • ATM fee reimbursement
        • Instant transfers between your own accounts
        • Access to direct deposits even while they’re still pending
          • JDubbleu@programming.dev
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            11 months ago

            They’re pretty basic here too. That doesn’t mean there aren’t scummy ass banks that still don’t offer them, and rely on the company name to get customers. Many old banks don’t offer most of this unfortunately, and most people don’t go looking for new banks often and get screwed.

            • Rice_Daddy@lemmy.world
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              11 months ago

              Basic finance is easily one of the most important life skills anyone can pick up, right ght besides cooking and understanding when people might not have your best interest in mind.

        • Kiernian@lemmy.world
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          11 months ago

          Where does one get something like this in the U.S.?

          no min balance, no fees, interest on checking?

          I was under the impression that didn’t exist.

          • JDubbleu@programming.dev
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            11 months ago

            Fidelity is who I use since they also have my portfolio, but SoFi and many others also provide similar services.

    • QuarterSwede@lemmy.world
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      11 months ago

      It’s not out of touch. The problem is we do a shit job of teaching people the basics of budgeting and how to save in our culture.