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.

With more than a decade of experience, Nelson covers Apple and Google and writes about iPhone and Android features, privacy and security settings, and more. Matt Elliott is a senior editor at CNET ...