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The Marketing Millennials is a look inside what’s working right now for other marketers. No theory. No fluff. Just real insights and ideas you can actually use—from marketers who’ve been there, done that, and are sharing the playbook.

Every newsletter is written by Daniel Murray, a marketer obsessed with what goes into great marketing. Expect fresh takes, hot topics, and the kind of stuff you’ll want to steal for your next campaign.

Because marketing shouldn’t feel like guesswork. And you shouldn’t have to dig for the good stuff.

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It’s a movement toward simpler, better, and more empowering money.

Today, I’m launching the next step in that movement: Cense Check.

In just a few minutes, you’ll get a clear picture of your money and simple, personalized steps to make it better right now.

It’s quick. It’s student-centered. And it’s built in the same approachable, action-driven style you already know from Cense.

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I’m so excited to build this with you — and to keep making finances make Cense, together.

Now back to the newsletter…

If you remember in my previous newsletter I mentioned it’s likely rates on High-Yield Savings Accounts (HYSAs) will go down in the wake of the rate cut by the Federal Reserve Bank (“The Fed”).

Well banks must be avid readers of the Cense Newsletter. On Friday of last week I received the following email from Wealthfront, the provider I use for my HYSA.

My rates have been lowered. And “I told you so” is all I have to hide my tears.

The news I cover in the live section really isn’t abstract economics. Whether it’s the jobs market, or Fed rate cuts, I discuss these stories because in some way it’s your rent money, your student loans, or your Djibouti travel fund that’s affected.

In this case, rate cuts by ‘ol Jerome Powell translate all the way down into less money in your HYSA (there are many other downstream effects, this is just one).

The “macro” economy is worth paying attention to, because it pays attention to you.

Even if HYSA returns have been slashed a bit, The difference between the basically zero-percent rate you get from a regular bank’s savings account and the 3.5-4% HYSA is still hundreds of dollars a year, just for parking your cash in the right spot.

HYSAs are still excellent. They’re safe, flexible, and easy to open.

Here’s how, step by step:

Big names like Fidelity, Goldman Sachs (Marcus), and Capital One are known and deliver solid rates.

Fintechs like Wealthfront also offer HYSAs at solid rates and can sometimes come with other features.

I switched from a Vanguard HYSA to Wealthfront because Wealthfront was offering a better rate and I already had an account with them for investing.

You’ll need the basics: SSN, ID, and your checking account info. It takes 10 minutes tops.

Just search “[Your desired provider] HYSA” and once you scroll past the sponsored results you should get what you’re looking for.

Start small if you want. $5, $10, $50—whatever you’re feeling.

The goal is for you to use this account for savings balances that are stable but that you may need instant access to at any point.

While some accounts may have minimums, most don’t. You shouldn’t have to deal with minimums and fees in 2025.

Your interest will likely be paid to you as a deposit into your HYSA account on a monthly basis. These extra funds can be used to grow the account further or for whatever your heart desires.

I like to use my HYSA for savings I may need quick access to at any point but that are mostly stable.

Think emergency fund, vacation savings, or another larger expense.

This is one of the best ways to be rewarded for saving—something you should be rewarded for!

Pro tip: Once you’ve done this once, opening other accounts (brokerages, Roth IRAs, etc.) feels way less intimidating. The process is super similar. If you have any questions about other accounts, reply to this email and let’s talk!

There are many options for an HYSA that are strong and work great.

I use Wealthfront because I previously had an account with them, their rate is above-average, and they enable me to categorize different funds within the HYSA in a way that I really like.

Their other pros include a pretty smooth interface and they offer a debit card so you can spend directly from your HYSA.

This makes Wealthfront especially useful if you want to put your emergency fund in your HYSA because you can immediately access it with the debit card. That said, many HYSA providers offer this feature.

The cons of the HYSA with Wealthfront include that THEY LOWERED MY RATE—no it’s fine. I’m fine. I’m not mad.

Also that when I first set up the account they restricted me from withdrawing my funds for the approximately 2 weeks.

This was because the account was relatively new and I can now withdraw whenever I wish. But this is definitely something to be aware of when you are first opening with them.

Also, quick reminder that I am not sponsored by any of the tools I note here. I wish I was! These are just the tools I use.

Open an HYSA today. Put schmoney (some + money) in it.

Put the cash in Wealthfront, Fidelity, Capital One, whatever makes your dreams come true.

Just make sure that your cash is growing like a kid visiting their grandparents after a year.

You work hard. Or, maybe you don’t. I don’t really know. But your money should work hard, regardless.

Put it in an HYSA and watch it flex more than a gym bro right after he throws down the weight of a small apartment complex.

Then, give yourself a kiss for saving and earning at the same time. ;)

Thank you so much for being a part of this newsletter. I am grateful to write to you weekly and I hope this helps you feel more confident with your finances.

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