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The Fed won't meet again on interest rates until later this month. Top HYSAs continue to offer up to 4.50% APY, for now.

"Think about how you can incorporate cognitive rest into your life, and what that might look like for you," advises Pandey.

Last week, Revolut won conditional approval from the US Office of the Comptroller of the Currency to charter a national bank.

More than 750,000 matured Child Trust Fund accounts remain unclaimed and could contain money belonging to young adults.