Raquel, Financial Strategist

Helping earners win financially 💸

[Raquel, Financial Strategist @__RaquelMonique]

Helping earners win financially
💸 Pay less in taxes
📊 Bookkeeping that keeps you ready
📈 Build strong, usable credit
🔗 Link in bio

[Raquel, Financial Strategist @__RaquelMonique]

@BongsMahlangu_ 🙋🏽‍♀️🙋🏽‍♀️

[Raquel, Financial Strategist @__RaquelMonique]

Today we honor freedom, celebrate Black excellence, and continue building the future our ancestors dreamed of. Happy Juneteenth! ❤️🖤💚

[Raquel, Financial Strategist @__RaquelMonique]

5. Marcus by Goldman Sachs⁠

Best no-frills HYSA

* Straightforward
* Easy transfers
* Strong reputation
* Great for long-term savers

[Raquel, Financial Strategist @__RaquelMonique]

4. American Express High Yield Savings⁠

Best for simplicity

* Clean interface
* Trusted brand
* Great if you want a “set it and forget it” emergency fund

[Raquel, Financial Strategist @__RaquelMonique]

3. Capital One 360 Performance Savings⁠

Best if you want a familiar name

* No fees
* Competitive rate
* Physical locations and cafés in some markets
* Great app

[Raquel, Financial Strategist @__RaquelMonique]

2. Ally Bank⁠

Best for organizing savings goals

* Savings buckets
* Strong customer service
* No fees
* Easy automation features

[Raquel, Financial Strategist @__RaquelMonique]

1. SoFi⁠

Best overall for beginners

Why I recommend it:

* Easy-to-use app
* Automatic savings tools and “Vaults” for goals
* No monthly fees
* Great if you’re building an emergency fund, Roth IRA fund, vacation fund, etc.

[Raquel, Financial Strategist @__RaquelMonique]

Top 5 HYSA for Everyday People in 2026…

[Raquel, Financial Strategist @__RaquelMonique]

10 months left to max out your Roth IRA for 2026. Let’s go! 💪🏾

[Raquel, Financial Strategist @__RaquelMonique]

DR Congo brought fashion to the World Cup. The tailoring, the leopard-print sashes, the details… pure elegance. 😍🔥🔥

[BIG MAMA @Latto]

My daughter the best thing that ever happened to me

[Raquel, Financial Strategist @__RaquelMonique]

The earlier you start, the more time your money has to grow.

Always review your employer’s match, investment options, and contribution limits to make the most of your plan.

[Raquel, Financial Strategist @__RaquelMonique]

Will a 401(k) make you wealthy overnight? No.

Will consistently contributing over time help you build retirement savings and take advantage of compound growth? Yes.

[Raquel, Financial Strategist @__RaquelMonique]

Even better? Some employers match a portion of your contributions. That’s essentially free money. 💰

Same paycheck. Different future.

[Raquel, Financial Strategist @__RaquelMonique]

A 401(k) is a retirement savings account offered through your employer.

The money is automatically deducted from your paycheck and invested for your future.

[Raquel, Financial Strategist @__RaquelMonique]

Not contributing to your 401(k)? Here’s what you’re missing…

[Raquel, Financial Strategist @__RaquelMonique]

Always research contribution limits, income restrictions, and investment options before opening one.

[Raquel, Financial Strategist @__RaquelMonique]

Will a Roth IRA make you rich overnight? No.

Will consistently investing over time help build wealth? Yes.

[Raquel, Financial Strategist @__RaquelMonique]

The earlier you start, the more time your money has to grow.

Same deposits. Different future. 💵

[Raquel, Financial Strategist @__RaquelMonique]

A Roth IRA lets you invest money that’s already been taxed, so qualified withdrawals in retirement can be tax free.