I had a substantial amount in the bank for a low wage earner, and went to withdraw 10K to loan out to a family member. When the teller almost insisted I talk to a financial advisor after seeing my balance. Dude in a nice expensive suit goes on and on for like 10 minutes. Finally I responded...
Sir, your CD is at 1% I'd rather keep liquidity. 2 years ago, I initiated a mortgage loan holding it at 14.57%. Today this 10K is being loaned at 18%, can you compete with those rates. He says well Histo... I cut him off and said Sir, I use banks, they don't use me. Have a nice day.
Since then I love sharing that at the banks... with personnel... Kek
By the way welcome bonuses for CC and Direct Deposit add up for us at low income, but great credit. Made a few K since returning to USA from abroad. Especially tasty when its from a CC that canceled my account for not using while abroad, only to open with getting a new bonus. I'm not a CC junky and its a shame. Also cash back helps with inflation.