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4% APR upto 3k
Stash the 3 and put the rest elsewhere. Rebalance annually.
Requires $200/month deposit into checking account. Blah.
Just use that 200 immediately on a CC bill
Or just forego the additional $60 this account pays you over a 2% savings account. It’s just additional hassle IMO. If the 4% scaled to $30,000 my answer would be different.
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Stash the 3 and put the rest elsewhere. Rebalance annually.