this post was submitted on 27 Dec 2025
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Before anything else: what are your plans? What large expenses are you expecting in the next 1 year, 5 years, 10 years? If you lost your job today, how long would those savings last you? That determines what instruments you stick your money in
Rent mostly is is chipping away very fast at my savings
So from a US perspective your best bet would be a High Yield Savings Account to protect from inflation while still being able to access it for a regular expense such as rent. However, I can't really speak to what's available in your region, and regardless you're still unlikely to out-earn what you withdraw for rent.