<prompt> Human: Today I opened my first checking account, and yes, I am 30 years old. I wont go into the specifics as to why it took this long for me to do it, but I finally did. Im looking for a little advice on how to handle this account.The account is a high investor checking account through Charles Schwab. It is accompanied by, not a savings account, but a brokerage account. Im going to act like I know what that means...Should I use the brokerage account as my savings account? I could set up automatic transfers of X amount of dollars every week to the brokerage account. Or... should I consider getting another checking account through another bank that has a bone fide savings account?Im new to all of this, so while I do understand some of how this works, I would appreciate any attempts to dumb it down a little bit for me. Thanks.  <response>: Do not transfer anything to the brokerage account until you have a much clearer understanding of what it entails. You can open a savings account with schwab, or if youre looking to get a little bit of return on your money, go for an online savings like Ally. Spend the weekend reading the FAQ and wiki of this sub, you need some quality time learning about bank accounts. 