Should you have less in your checking account?

Your money isn’t doing any good just sitting there. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/fb1071d9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU1ZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzA0MTMmYWZmX3N1YjQ9MDYwMiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDQxMyZ1dG1fY29udGVudD0wNjAyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=QjFh-7pQF2wu6EMj6jzwFfYBj_EOTosCB_SkwjCLZjA)   Arnold Schwarzenegger is a man of action, so after weeks of inaction by the city of Los Angeles, the former governator took to the streets to fill a massive pothole himself. There’s something empowering about taking a situation into your hands to achieve the results you want. And that’s what we’re doing today, by helping you retire earlier than you thought possible and showing you [a better way to make your money grow — fast](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/ed29e388?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2MCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbGVhdmUtMTUwMC1jaGVja2luZy1hY2NvdW50LXBydFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDQxMyZhZmZfc3ViND0wNjAyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwNDEzJnV0bV9jb250ZW50PTA2MDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=xMgptJ6ohw_2129pIAWMPOqhe_Zp6gesEclS2v_wZ2o).          643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/938064d7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2MSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2JpcnRoZGF5LWZyZWViaWVzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwNDEzJmFmZl9zdWI0PTA2MDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA0MTMmdXRtX2NvbnRlbnQ9MDYwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=leSj2QLiE4_kPIMMjtf9nU62_V0BJxpoDyr7Q3rfwwk  [102 Places to Score Freebies on Your Birthday](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/e749edee?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2MiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2JpcnRoZGF5LWZyZWViaWVzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwNDEzJmFmZl9zdWI0PTA2MDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA0MTMmdXRtX2NvbnRlbnQ9MDYwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=p1FGNfpYheRWH9s7vp_uhJnAsWGUxtcqVQnUOXDC6Ng)  Birthdays are all about getting spoiled and (more importantly) not paying for anything yourself. From tasty bites and coffee to clothing and movie tickets, we’ve got the scoop on how to make your next birthday an over-the-top extravaganza — without spending a dime.          [Warning: Check Fraud Is on the Rise](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/898c44bd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2MyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2JhbmstYWNjb3VudHNcL2NoZWNrLWZyYXVkXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwNDEzJmFmZl9zdWI0PTA2MDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA0MTMmdXRtX2NvbnRlbnQ9MDYwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=buvWeya-BrVCZex3iXn3VwknRpNd_Z_XjouMb45RhJs)  In this teched-out world, it’s easy to forget about the humble paper check — but everything old is new again, and in this case, that means more criminals are reverting to paper check fraud. Here’s how to protect yourself.     [Should You Leave More Than $1,500 in Your Checking?](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/4e30f27b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=E5QKoTqDUgxwDGWgtP-XSPam9dFdA5gqZYi88RCR-4c)  How much money is too much money to leave in a checking account? Your cash generally won’t see much (if any) growth just sitting there. This is [how to](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/ed29e388?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=xMgptJ6ohw_2129pIAWMPOqhe_Zp6gesEclS2v_wZ2o)[really](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/ed29e388?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=xMgptJ6ohw_2129pIAWMPOqhe_Zp6gesEclS2v_wZ2o)[make it grow](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/ed29e388?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=xMgptJ6ohw_2129pIAWMPOqhe_Zp6gesEclS2v_wZ2o).          643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/1467f90e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=DkLPGxENW1IJhAidXbkzymVkSCThaASRa3lGiwm0PgM  [8 Ways to Retire Early — Without Earning Six Figures](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/263447c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=ZlCz6D39IxKwZidPVw8rBpMYNvVwNP70mD-qSdH8QPg)  No, you don’t need to be raking in the big bucks to retire early. You just need to have a plan. Here’s how to hit your early retirement goals — no matter what age.          [5 Things Nobody Should Ever Do With Their Money](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/49b5f4b0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=vEabjVaAuUAYnCq_HZTkZBFMI2zqyjJZoMTvQzcdrlY)  Hey, we all make mistakes. But sometimes those mistakes can cost us. So it’s better to get ahead of them whenever possible. [Here are five mistakes](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/43a1b211?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=u1u5jknLAosnlbdEtWkrrdlXafivoGtDx0ZUdNBZ-UM) most of us make with our finances — and what you should do instead.     [I Was Uninvited From a Wedding. Do They Owe Me for Airfare?](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/97a4b3f0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2OSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2J1ZGdldGluZ1wvd2VkZGluZy1ndWVzdC1yZWltYnVyc2VkLWZvci1haXJmYXJlXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwNDEzJmFmZl9zdWI0PTA2MDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA0MTMmdXRtX2NvbnRlbnQ9MDYwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=VfBZUcgETu1pQb5NzOnxQSw_yCcF6c4OLdvyklF1yBM)  Dear Penny — My niece uninvited me to her wedding. Should I ask her to reimburse me for the cost of my plane ticket? The wedding is two weeks away, and my ticket is nonrefundable.     [8 Genius Ways to Make Money — Without Playing Stocks](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/bc201043?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=AT_KXX3H84K7PPbj5ldGa2VC3GCo-vcjAs1m9irYrGE)  We all know the stock market is a way to make some serious money. But with that potential comes a lot of risk. There are much better ways to grow your money. [Start here.](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/d8b1180e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=_gDRvMr1FtNtBQGVUS4fTjV_b9E-SHtqxS9eQ08iBwo)     [5 Money Habits We Have Normalized (And How to Break Them)](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/edb9052b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2YyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbm9ybWFsaXplZC1oYWJpdHMtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwNDEzJmFmZl9zdWI0PTA2MDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA0MTMmdXRtX2NvbnRlbnQ9MDYwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=b3BoV7IQBRNRO2Ed0G-HXZ_RBR9ymIu9APQ_Kf0DBrQ)  Nail-biting might be annoying, but it’s never going to hurt you financially. These habits, however, can hit your wallet hard. Even worse, people have normalized them. Here’s [how to break those patterns](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/937b52c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbm9ybWFsaXplZC1oYWJpdHMtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwNDEzJmFmZl9zdWI0PTA2MDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA0MTMmdXRtX2NvbnRlbnQ9MDYwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=VTWNgQAmo3DKO3tR7TAxFf1-B8s9WSvqnZpAuEKxs7A).          [Was this email forwarded to you? Subscribe Now. It's free!](643710e1045fcd54890f288a:ot:631faf77229f6550ab06f0cf:1/d5ec7f56?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2ODEzODAxNDMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0MzcxNzJlYTI2NWJkM2E0MDA3MWU2ZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDQxMyZhZmZfc3ViND0wNjAyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwNDEzJnV0bV9jb250ZW50PTA2MDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=Ty7WdOCHXbych8j15H9iBFoWlazOVq-3dxe9S_LL86Y)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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