Your bitcoin wallet is your savings account.

Your lightning wallet is your checking account.

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Yep, when i first starting using lightning. I thought of it as a cheap withdrawal personal ATM. I use it to receive mostly now though.

Absolutely. It's like your own personal ATM for sending and receiving.

Savings account pays interest. Bitcoin “accounts” doesn’t.

To get interest on Bitcoin you need to assume a number of different risks including custody.

A savings account is money you put away to not spend. It's money that you don't have readily available and easy access to without going through a couple extra steps. It's a good analogy for that. I've never put money in a savings account in hopes to earn interest.

Interest is kind of null without inflation.

Bitcoin holds your purchasing power over time. It is an incredible way to save. Low time preference

Is there an easy/safe way that you recommend to move funds between your bitcoin wallet and lightning wallet?