Go find that old post from AskReddit and follow it to a tee.

Outside of that, I’d probably buy a house closer to downtown, buy a new truck, and start to figure out how I can increase the quality of education in rural South Carolina.

Banks use your money to invest. They only have to have a small percentage of their holdings in cash on hand so they can invest, make money, and pay you interest.

Your money isn’t just sitting in a vault at your local Bank of America branch.