If you have money to save, make sure you get a fair interest rate.

3-month Treasury bills are now paying 1.96% interest. You can buy T-bills through a discount brokerage or through Treasury Direct.

Series I savings bonds issued now pay 2.52% for the first six months. They then adjust to inflation. (The interest rate will be roughly inflation plus 0.3%.)

The best bank savings accounts pay only 1.6%. Most pay far less.