Thanks. I do 80% of my banking through Ally so I do get the nice savings rate. That's where I deposit all my tutoring checks to save for a house I tried to speak to two finanacial advisors, but both just tried selling me useless life insurance policies. I'm only 30 [28/29 at the time] with no dependents. That's not what I wanted to talk about, but they just kept pushing it and pushing it, so I didn't give them any of my money. I've also thought about bit coin, but I'm always scared to take the plunge because it sounds risky.