{"id":271164,"date":"2025-07-24T08:20:16","date_gmt":"2025-07-24T02:50:16","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=271164"},"modified":"2025-07-24T08:20:18","modified_gmt":"2025-07-24T02:50:18","slug":"should-you-open-multiple-hysas-for-different-goals","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/should-you-open-multiple-hysas-for-different-goals\/","title":{"rendered":"Should You Open Multiple HYSAs for Different Goals?"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#benefits-of-using-multiple-hys-as-for-different-goals\">Benefits of Using Multiple HYSAs for Different Goals<\/a><ul><\/ul><\/li><li><a href=\"#common-savings-goals-that-work-well-with-separate-hys-as\">Common Savings Goals That Work Well with Separate HYSAs<\/a><\/li><li><a href=\"#how-to-structure-multiple-hys-as-effectively\">Should You Open Multiple HYSAs for Different Goals: How to Structure Them<\/a><ul><\/ul><\/li><li><a href=\"#best-hysa-providers-that-support-goal-based-buckets-or-multiple-accounts\">Best HYSA Providers That Support Goal-Based Buckets or Multiple Accounts<\/a><ul><\/ul><\/li><li><a href=\"#drawbacks-of-using-too-many-hys-as\">Drawbacks of Using Too Many HYSAs<\/a><ul><\/ul><\/li><li><a href=\"#how-to-decide-how-many-hys-as-you-need\">Should You Open Multiple HYSAs for Different Goals: How Much?<\/a><\/li><li><a href=\"#alternatives-to-opening-multiple-hys-as\">Alternatives to Opening Multiple HYSAs<\/a><ul><\/ul><\/li><li><a href=\"#when-it-makes-the-most-sense-to-have-more-than-one-hysa\">When It Makes the Most Sense to Have More Than One HYSA<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><ul><li><a href=\"#fa-qs-about-should-you-use-multiple-hys-as-for-different-goals\">FAQs About Should You Open Multiple HYSAs for Different Goals<\/a><\/li><\/ul><\/li><li><a href=\"#faq-question-1753168738403\">Can I have more than one HYSA?<\/a><\/li><li><a href=\"#faq-question-1753168743649\">Does having multiple HYSAs affect my credit score?<\/a><\/li><li><a href=\"#faq-question-1753168745918\">Is there a tax disadvantage to having multiple HYSAs?<\/a><\/li><li><a href=\"#faq-question-1753168747232\">Can I use one HYSA for multiple goals without separate accounts?<\/a><\/li><li><a href=\"#faq-question-1753168748566\">How do I decide which goal gets which HYSA?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>High-yield savings accounts (HYSAs) have surged in popularity as Americans look for better ways to grow and protect their money. As interest rates on these accounts continue to rise, more savers are turning to them for emergency funds and a wide array of financial goals.<\/p>\n\n\n\n<p>But here&#8217;s the question: Is one <a href=\"https:\/\/trybeem.com\/blog\/role-of-hysa-in-financial-wellness-apps\/\" data-type=\"post\" data-id=\"267709\" target=\"_blank\" rel=\"noreferrer noopener\">HYSA<\/a> enough? Or should you open multiple HYSAs for different goals? This guide breaks down the pros, cons, and best practices of using multiple HYSAs to maximize your savings while maintaining clarity and control.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits-of-using-multiple-hys-as-for-different-goals\">Benefits of Using Multiple HYSAs for Different Goals<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-mental-accounting-makes-saving-easier\">1. Mental Accounting Makes Saving Easier<\/h3>\n\n\n\n<p>Psychologically, separating your money by purpose helps reinforce discipline. It\u2019s easier to resist tapping into your emergency fund if it\u2019s not pooled with your travel savings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-clear-progress-tracking\">2. Clear Progress Tracking<\/h3>\n\n\n\n<p>With separate HYSAs or savings buckets, you can track your progress toward each goal. Seeing that your \u201cVacation Fund\u201d is at 60% completion is much more motivating than a generic $3,000 balance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-maximizing-apy-opportunities\">3. Maximizing APY Opportunities<\/h3>\n\n\n\n<p>Not all banks offer the same <a href=\"https:\/\/trybeem.com\/blog\/apr-vs-apy\/\" target=\"_blank\" data-type=\"post\" data-id=\"188520\" rel=\"noreferrer noopener\">APY<\/a>. By spreading your money across HYSAs at different institutions, you can earn better returns overall, especially if one account consistently outperforms others.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-avoid-accidental-overspending\">4. Avoid Accidental Overspending<\/h3>\n\n\n\n<p>When all your savings sit in one account, it\u2019s easy to underestimate how much is already earmarked for specific needs. Separate HYSAs create more precise boundaries.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-savings-goals-that-work-well-with-separate-hys-as\">Common Savings Goals That Work Well with Separate HYSAs<\/h2>\n\n\n\n<p>If you\u2019re considering opening multiple accounts, these savings goals typically benefit most from clear separation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Emergency Fund: <\/strong>Keep it untouched unless it\u2019s a real financial emergency.<\/li>\n\n\n\n<li><strong>Vacation Fund: <\/strong>Budget for flights, lodging, and activities stress-free.<\/li>\n\n\n\n<li><strong>Home Renovations: <\/strong>Isolate money set aside for upgrades or repairs.<\/li>\n\n\n\n<li><strong>Taxes: <\/strong>Especially useful if you&#8217;re self-employed or receive 1099 income.<\/li>\n\n\n\n<li><strong>Weddings or Big Life Events:<\/strong> Large, planned expenses require precise tracking.<\/li>\n\n\n\n<li><strong>Down Payment for a House: <\/strong>You\u2019ll likely need tens of thousands in a specific timeline.<\/li>\n\n\n\n<li><strong>Education or Certifications: <\/strong>Allocate funds toward upskilling or courses.<\/li>\n<\/ul>\n\n\n\n<p>Each goal has different timelines, risk tolerance, and withdrawal needs, making them excellent candidates for dedicated accounts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-structure-multiple-hys-as-effectively\">Should You Open Multiple HYSAs for Different Goals: How to Structure Them<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-use-nicknames-for-clarity\">1. Use Nicknames for Clarity<\/h3>\n\n\n\n<p>Most online banks allow you to nickname accounts. Label them based on goals\u2014\u201cEmergency Fund,\u201d \u201cCar Repairs,\u201d \u201cSummer Trip 2025\u201d\u2014for instant mental clarity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-pick-the-right-platform\">2. Pick the Right Platform<\/h3>\n\n\n\n<p>Look for banks like Ally, SoFi, or Capital One 360 that offer multiple savings accounts or built-in \u201cbuckets\u201d or sub-accounts within a single HYSA.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-automate-based-on-priorities\">3. Automate Based on Priorities<\/h3>\n\n\n\n<p>Set up <a href=\"https:\/\/trybeem.com\/blog\/balance-transfers-help-or-hurt-your-credit-score\/\" target=\"_blank\" data-type=\"post\" data-id=\"270082\" rel=\"noreferrer noopener\">automatic transfers<\/a> to each goal. Even $10 or $50 a week adds up over time. Automating deposits based on your income frequency ensures consistency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-consider-withdrawal-rules\">4. Consider Withdrawal Rules<\/h3>\n\n\n\n<p>Some banks may limit how often you can move money in and out. Keep this in mind if you expect to access specific funds frequently.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-dont-forget-fdic-insurance\">5. Don\u2019t Forget FDIC Insurance<\/h3>\n\n\n\n<p>If you split savings across multiple banks, ensure each is FDIC-insured up to $250,000 per depositor, per institution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-hysa-providers-that-support-goal-based-buckets-or-multiple-accounts\">Best HYSA Providers That Support Goal-Based Buckets or Multiple Accounts<\/h2>\n\n\n\n<p>Here are some of the most flexible HYSA providers for goal-based savings:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ally-bank\">Ally Bank<\/h3>\n\n\n\n<p>Ally Bank offers a highly competitive online savings experience with its High-Yield Savings Account (HYSA). With no monthly maintenance fees and no minimum balance requirement, it&#8217;s ideal for savers of all levels. The account consistently features one of the top APYs in the market, helping your money grow faster than in a traditional savings account. Ally also provides user-friendly tools like \u201cbuckets\u201d for goal-based savings and \u201cboosters\u201d to automate extra deposits.<\/p>\n\n\n\n<p>Funds are FDIC-insured up to $250,000, and transfers are easy through Ally\u2019s mobile app.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offers \u201cSavings Buckets\u201d within a single HYSA.<\/li>\n\n\n\n<li>No monthly fees, no minimums.<\/li>\n\n\n\n<li>Strong APY and intuitive interface.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"so-fi-checking-savings\">SoFi Checking &amp; Savings<\/h3>\n\n\n\n<p>SoFi Checking &amp; Savings is a modern, all-in-one account for digital-first users. It offers high APYs\u2014up to 4.00% on savings and 0.50% on checking\u2014with no account fees or minimums. By enabling direct deposit, users unlock enhanced rates and early paycheck access. The account supports smart budgeting with features like \u201cvaults\u201d for goal-based savings and roundups that boost savings automatically.&nbsp;<\/p>\n\n\n\n<p>SoFi also provides up to $3 million in FDIC insurance through partner banks, offering peace of mind. With a sleek mobile app, fee-free ATM access, and seamless money management tools, SoFi is built for smarter, faster everyday banking.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Combines checking with goal-based savings features.<\/li>\n\n\n\n<li>Automatic goal-based savings transfers.<\/li>\n\n\n\n<li>Competitive APY and member rewards.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"capital-one-360\">Capital One 360<\/h3>\n\n\n\n<p>Capital One 360 offers a streamlined online banking experience with no monthly fees and competitive interest rates. The 360 Performance Savings account earns a solid 3.60% APY with no minimum balance, making it ideal for savers at any stage.<\/p>\n\n\n\n<p>Its intuitive mobile app supports goal tracking, automated transfers, and real-time alerts. The 360 Checking account adds flexibility with early paycheck access, mobile check deposits, and access to over 70,000 fee-free ATMs. Capital One also ensures up to $250,000 FDIC insurance.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Allows creation of multiple savings accounts.<\/li>\n\n\n\n<li>Nickname each for tracking goals.<\/li>\n\n\n\n<li>Well-integrated mobile and web platform.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"betterment-cash-reserve\">Betterment Cash Reserve<\/h3>\n\n\n\n<p>Betterment Cash Reserve is a smart, flexible option for those seeking high-yield savings with full liquidity. It offers a competitive variable APY\u2014often around 4.00% or more\u2014with no fees, no minimums, and unlimited withdrawals. Designed for short-term goals or emergency funds, it offers up to $2 million in FDIC insurance through a network of banks.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/07\/Should-You-Open-Multiple-HYSAs-for-Different-Goals-1024x576.jpg\" alt=\"Should You Open Multiple HYSAs for Different Goals?\" class=\"wp-image-271168\" srcset=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/07\/Should-You-Open-Multiple-HYSAs-for-Different-Goals-1024x576.jpg 1024w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/07\/Should-You-Open-Multiple-HYSAs-for-Different-Goals-300x169.jpg 300w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/07\/Should-You-Open-Multiple-HYSAs-for-Different-Goals-768x432.jpg 768w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/07\/Should-You-Open-Multiple-HYSAs-for-Different-Goals-1536x864.jpg 1536w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/07\/Should-You-Open-Multiple-HYSAs-for-Different-Goals.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Betterment\u2019s integration with its investing platform and mobile tools makes managing cash and long-term wealth easy in one place. It\u2019s ideal for those who want higher returns without locking up their money in CDs or fixed accounts.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High-yield cash management tool.<\/li>\n\n\n\n<li>Ideal for integrating savings with investment goals.<\/li>\n\n\n\n<li>Easy transfers to\/from investment accounts.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"marcus-by-goldman-sachs\">Marcus by Goldman Sachs<\/h3>\n\n\n\n<p>Marcus by Goldman Sachs is a digital-first banking platform offering high-yield savings and CDs with no fees or minimum balance requirements. Backed by the trusted name of Goldman Sachs, Marcus focuses on helping users grow their money with simplicity and transparency. Its online savings account offers a competitive APY, daily compounding interest, and <a href=\"https:\/\/trybeem.com\/blog\/hysas-with-the-fastest-ach-transfer-speeds\/\" target=\"_blank\" data-type=\"post\" data-id=\"270866\" rel=\"noreferrer noopener\">fast ACH transfers<\/a>.<\/p>\n\n\n\n<p>Users can also choose from flexible CD options, including no-penalty terms. While it doesn\u2019t provide checking or debit features, Marcus is ideal for savers looking to maximize returns in a secure, FDIC-insured environment with a clean interface and easy-to-use mobile and web access.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Allows multiple HYSAs under one login.<\/li>\n\n\n\n<li>No fees and high APY.<\/li>\n\n\n\n<li>Simple, clean interface for savings tracking.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"drawbacks-of-using-too-many-hys-as\">Drawbacks of Using Too Many HYSAs<\/h2>\n\n\n\n<p>While multiple HYSAs can help you stay organized, there are some downsides to be aware of:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-overwhelming-account-management\">1. Overwhelming Account Management<\/h3>\n\n\n\n<p>Too many accounts may lead to login fatigue or difficulty remembering balances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-fragmented-interest-earnings\">2. Fragmented Interest Earnings<\/h3>\n\n\n\n<p>Dividing savings between accounts may mean missing out on better returns if one bank offers a higher APY.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-minimum-balance-requirements\">3. Minimum Balance Requirements<\/h3>\n\n\n\n<p>Some accounts only offer top-tier APY rates above certain balances. Splitting your money too thin may disqualify you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-risk-of-inactivity-fees\">4. Risk of Inactivity Fees<\/h3>\n\n\n\n<p>If you\u2019re not actively managing each account, you may be hit with inactivity notices or low-use penalties (rare, but possible).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-decide-how-many-hys-as-you-need\">Should You Open Multiple HYSAs for Different Goals: How Much?<\/h2>\n\n\n\n<p>The number of HYSAs depends on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your active financial goals.<\/li>\n\n\n\n<li>Your preference for visibility vs. simplicity.<\/li>\n\n\n\n<li>Your ability to manage multiple platforms or apps.<\/li>\n<\/ul>\n\n\n\n<p>If your bank allows \u201cbuckets,\u201d one HYSA with labeled sub-accounts may be enough. If not, two or three separate accounts may better serve your needs, especially if you\u2019re optimizing APY rates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"alternatives-to-opening-multiple-hys-as\">Alternatives to Opening Multiple HYSAs<\/h2>\n\n\n\n<p>If juggling several accounts feels daunting, here are a few simpler options:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-budgeting-apps\">1. Budgeting Apps<\/h3>\n\n\n\n<p>Use apps like YNAB, Monarch Money, or Mint to track individual savings goals within one HYSA.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-hysa-cd-strategy\">2. HYSA + CD Strategy<\/h3>\n\n\n\n<p>Put short-term savings in a HYSA and longer-term goals (like home down payments) in Certificates of Deposit (CDs) for slightly higher returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-hysa-checking-combo\">3. HYSA + Checking Combo<\/h3>\n\n\n\n<p>Use your HYSA for goals and your checking for liquidity. Don\u2019t mix long-term goals with everyday spending.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"when-it-makes-the-most-sense-to-have-more-than-one-hysa\">When It Makes the Most Sense to Have More Than One HYSA<\/h2>\n\n\n\n<p>Here are some situations where multiple HYSAs are especially effective:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Optimizing APYs:<\/strong> One bank may offer 5.0% APY while another only 3.9%.<\/li>\n\n\n\n<li><strong>Transfer Limits: <\/strong>Your bank restricts the number of transfers or goals per account.<\/li>\n\n\n\n<li><strong>Joint vs. Personal Savings: <\/strong>Keep your personal and shared savings separate.<\/li>\n\n\n\n<li><strong>Financial Boundaries: <\/strong>Helps build discipline and mental clarity when funds are siloed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Using multiple HYSAs to save for distinct goals isn\u2019t just a savvy financial move but also a smart behavioral strategy. When done right, it promotes clarity, builds discipline, and optimizes interest earnings. Whether you use buckets, separate accounts, or a mix of both, the key is to stay consistent and intentional with your money.<\/p>\n\n\n\n<p>Whether you choose an online bank or a neobank like <a href=\"https:\/\/trybeem.com\/\">Beem<\/a>, choose a HYSA that fits how you live, save, and manage your money. Download <a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noopener\">Beem<\/a> today to open your HYSA, track interest in real time, and connect your savings to smarter money habits. In addition, Beem\u2019s <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\">Everdraft\u2122<\/a> lets you withdraw up to $1,000 instantly and with no checks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs-about-should-you-use-multiple-hys-as-for-different-goals\">FAQs About Should You Open Multiple HYSAs for Different Goals<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1753168738403\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I have more than one HYSA?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>You can open multiple high-yield savings accounts with different banks or even within the same bank. There\u2019s no legal restriction on how many you can have. This flexibility helps you separate your financial goals more effectively and potentially earn higher interest across different providers.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1753168743649\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Does having multiple HYSAs affect my credit score?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>High-yield savings accounts are deposit-based and not tied to your credit usage or history. Opening or maintaining them won\u2019t trigger a credit inquiry or appear on your credit report. They\u2019re purely tools for saving, not borrowing.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1753168745918\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Is there a tax disadvantage to having multiple HYSAs?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>There\u2019s no tax penalty for having multiple HYSAs. However, you are responsible for reporting the total interest earned from all accounts on your tax return. Each bank will send a 1099-INT form if you earn $10 or more in interest, so keep track of all earnings.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1753168747232\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I use one HYSA for multiple goals without separate accounts?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Many banks offer goal-setting tools like \u201cbuckets\u201d or \u201csub-accounts\u201d within a single HYSA. These allow you to separate funds digitally while earning interest on the full balance. It\u2019s an easy way to manage multiple goals without juggling different accounts.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1753168748566\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How do I decide which goal gets which HYSA?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Assign goals based on priority, time horizon, and liquidity needs. Urgent or short-term goals might go to accounts with quick access. Long-term goals can be placed in HYSAs offering the highest APY, even if transfers take longer. Match the account\u2019s strengths with each goal\u2019s requirements.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>High-yield savings accounts (HYSAs) have surged in popularity as Americans look for better ways to grow and protect their money. As interest rates on these accounts continue to rise, more savers are turning to them for emergency funds and a wide array of financial goals. But here&#8217;s the question: Is one HYSA enough? Or should [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":271167,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3106],"tags":[3926,3987,3838,3925,15879,337,15878],"edited-by":[],"class_list":["post-271164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-save","tag-high-yield-savings-account","tag-high-yield-savings-accounts-2","tag-hysa","tag-hysas","tag-multiple-hysas-for-different-goals","tag-save","tag-should-you-open-multiple-hysas-for-different-goals"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271164","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=271164"}],"version-history":[{"count":8,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271164\/revisions"}],"predecessor-version":[{"id":271311,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271164\/revisions\/271311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/271167"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=271164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=271164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=271164"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=271164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}