Thanks for the reply!

Yes you’re right. I did mention high-yield savings do have 4%+ in my post but there are a few notes on those.

Usually they require someone be 18+ years old and usually have a higher minimum deposit requirement than a regular savings account.

Even at 4.5%, it’s close to break-even with inflation (reported CPI is a bit lower but actual real world expenses are closer to 10% or higher year-over-year).