Savings accounts

None of it, because the jewbanks aren't even giving 1% on a savings account now. They'll likely just kike you in fees higher than years worth of yield. If you can't make a 1% return on that money you don't deserve to have it.

As much as needed for an emergency fund. Then, 10% of paycheck for personal investing.

>REEEEEEEE ITS NOT FAAAIR

I put it into my Acorns account

How fucked am i?

This. You need to build up an emergency fund first that can cover you for a few months, but after that anything you don't spend should be invested. Cash just loses value to inflation, so you don't want more than you need. The standard advice to invest 15% of your income is basically designed to retire around 65, but this percentage can be much higher if you don't spend a lot, causing a much earlier retirement.

>t. Financial illiterate
Online savings accounts are giving 1.5+% right now with no fees

But user, the CPI is at 2.5-3%.

I try to put money in my savings account everyday. Instead of, and even if, buying a soda or coffee but some money away. But use that money to get a firearm or a greenhouse since the grand solar minimum is starting and you are likely to starve to death if you dont begin preparing.

Remind me where I said it would outpace inflation and didn’t point out that you were wrong about max APY

>savings

Faggot.

Max 401k and ira. Rest goes into crypto. Your welcome in 5 years.