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The second wave of stimulus checks only started hitting checking accounts a few weeks ago, and the BBB and the FTC are already warning of related scams.

Everyone knows how important it is to regularly put money into savings, but research shows that 25% of Americans have no emergency savings at all.

What is an interest rate?

Let’s start first with the basics of understanding what an interest rate is. The interest rate is the rate at which a lender will charge for you to borrow the funds from them. This rate is a percentage of the loan amount, so the amount you pay in interest will be based off the principal balance of the loan.