>>307724I have an MMA I dump all my extra money into. I change which one every few months to keep getting promotional interest rates. They're FDIC insured so zero risk unless the whole system collapses, but if that happened my funny 1s and 0s would disappear regardless of where they were being stored.
Right now my return on investment is about two extra paychecks per year. I could probably make more if I really wanted to but I prefer something low risk and low effort.