METHOD:
Get a legit savings account that pays out 4.15% for free! [NOOB  FRIENDLY}
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The highest paying banks right now are Goldman Sachs (Marcus dot com) and citibank. Citibank will reward you with a $1000 bonus for installing direct deposit, but Marcus is currentloy giving out 3.90% APY and comes with a 0.25% rate bump for 3 months for customers using the ref link below.

3.90% + 0.25% = 4.15% APY

no fees, 
no min deposit, 
no bank/wire transfer fees, 
US-based support line (i called them to check)

Even holding just $1000 in a marcus account will earn $39/yr.
SCALE THAT SHIT UP!

Yes, it's FDIC insured for 250k:
https://banks.data.fdic.gov/bankfind-suite/bankfind/details/33124

Signing up takes 2 minutes:
https://youtu.be/FvBki-JFDms?t=12

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ref link (you need this):
https://t.co/6YJ2fUYIOh
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good luck pimps