<prompt> Human: Wife and I have recently gotten serious about managing our finances, and YNAB has been helping a lot. Were reading Ramit Sethis book, and been reading the posts here, and know that we should find a savings account that we cant just withdraw money at will. But Ramit mentions some saving accounts that yield 5 per year, and were not seeing that anywhere. Do they even exist?Our goal is to build our rainy day funds, and to that effect, is a savings account the best place? Should we look into a money-market account?Thanks PF!  <response>: But Ramit mentions some saving accounts that yield 5 per year, and were not seeing that anywhere. Do they even exist?Not right now. Savings accounts are not even getting 1 interest in most cases. 