Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Dawn Reiss Life can be unpredictable, overwhelming, and just plain difficult.

Matt Elliott is a senior editor at CNET with a focus on laptops and streaming services. Matt has more than 20 years of experience testing and reviewing laptops. He has worked for CNET in New York and ...