Elizabeth Ayoola

The exact APY varies, but as an example, as of late April, you could earn a 4.39% APY on T-bills with the Atomic Treasury account. Now, they are slightly less flexible than an MMA or a savings account since they don't have debit cards or allow you to write checks, but you can withdraw your money at any time.

The exact APY varies, but as an example, as of late April, you could earn a 4.39% APY on T-bills with the Atomic Treasury account. Now, they are slightly less flexible than an MMA or a savings account since they don't have debit cards or allow you to write checks, but you can withdraw your money at any time.

Another thing is that you also don't pay any state or local taxes on interest earned, though you will owe federal taxes, like with the interest you earn on a savings account. We'll put a link in the description of the episode if you want to learn more about atomic treasury accounts, and the page includes a calculator you can use to see how much that you could potentially earn as well.

Another thing is that you also don't pay any state or local taxes on interest earned, though you will owe federal taxes, like with the interest you earn on a savings account. We'll put a link in the description of the episode if you want to learn more about atomic treasury accounts, and the page includes a calculator you can use to see how much that you could potentially earn as well.

Another thing is that you also don't pay any state or local taxes on interest earned, though you will owe federal taxes, like with the interest you earn on a savings account. We'll put a link in the description of the episode if you want to learn more about atomic treasury accounts, and the page includes a calculator you can use to see how much that you could potentially earn as well.

Kim Palmer, thanks for coming on and answering this savings related question. Of course. Thank you so much for having me.

Kim Palmer, thanks for coming on and answering this savings related question. Of course. Thank you so much for having me.

Kim Palmer, thanks for coming on and answering this savings related question. Of course. Thank you so much for having me.

Join us next time to hear about whether to pull back on retirement account contributions in times of market turbulence. Follow Smart Money on your favorite podcast app, including Spotify, Apple Podcasts, and iHeartRadio to automatically download new episodes.

Join us next time to hear about whether to pull back on retirement account contributions in times of market turbulence. Follow Smart Money on your favorite podcast app, including Spotify, Apple Podcasts, and iHeartRadio to automatically download new episodes.

Join us next time to hear about whether to pull back on retirement account contributions in times of market turbulence. Follow Smart Money on your favorite podcast app, including Spotify, Apple Podcasts, and iHeartRadio to automatically download new episodes.

This episode was produced by Tess Vigeland, Anna Helhosky, and Hilary Georgie. Hilary also helped with editing. Nick Karusemi mixed our audio. And a big thank you to NerdWallet's editors for all their help.

This episode was produced by Tess Vigeland, Anna Helhosky, and Hilary Georgie. Hilary also helped with editing. Nick Karusemi mixed our audio. And a big thank you to NerdWallet's editors for all their help.

This episode was produced by Tess Vigeland, Anna Helhosky, and Hilary Georgie. Hilary also helped with editing. Nick Karusemi mixed our audio. And a big thank you to NerdWallet's editors for all their help.

I think what feels really good for me right now is for the first time in a while, I am sticking to my budget and I also don't feel deprived. So I feel, if I might say, in control of my finances.

I think what feels really good for me right now is for the first time in a while, I am sticking to my budget and I also don't feel deprived. So I feel, if I might say, in control of my finances.

I think what feels really good for me right now is for the first time in a while, I am sticking to my budget and I also don't feel deprived. So I feel, if I might say, in control of my finances.

It does, but I'm spending within my budget and that feels great.

It does, but I'm spending within my budget and that feels great.

It does, but I'm spending within my budget and that feels great.