All Work

Austin Smith

Five HYSA Mistakes That Quietly Cost You Money

Most high yield savings account holders are quietly losing hundreds of dollars a year not by making dramatic errors, but through five ordinary habits that feel perfectly reasonable in the moment.

Austin Smith · 2 months ago

The HYSA Teaser Rate Trap, and How to Spot One

Banks spend real money engineering the number in the largest font, and the fine print is where that investment pays off for them instead of you. Four specific levers make a savings rate promotion…

Austin Smith · 2 months ago

Ally Bank Savings, Reviewed

Ally Bank’s Online Savings Account is one of the most widely used high yield savings accounts in the country. It offers no monthly maintenance fees, no minimum balance, a strong mobile app, and useful…

Austin Smith · 2 months ago

Marcus by Goldman Sachs Savings, Reviewed

Marcus by Goldman Sachs (NYSE:GS | GS Price Prediction) is the consumer banking arm of a Wall Street investment bank. Its flagship product is a plain online high yield savings account with no fees,…

Austin Smith · 2 months ago

What You Owe in Taxes on Your HYSA Interest

Interest earned in a high yield savings account is taxed as ordinary income at your federal marginal tax rate, owed for the year the bank credits the interest to your account, whether you withdraw…

Austin Smith · 2 months ago

How Much Cash Should You Actually Keep in a HYSA

There is no single dollar figure that fits every household, but there is a clean framework. Keep enough in a high yield savings account to cover a defined emergency reserve plus any cash you…

Austin Smith · 2 months ago

HYSA or Treasury Bills for Your Emergency Fund

For an emergency fund, both a high yield savings account and a short-term Treasury bill are safe places to park cash. The decision comes down to three things: how fast you can access the…

Austin Smith · 2 months ago

Where GitLab Fits in the AI-Driven Software Boom

GitLab controls the exact infrastructure AI coding agents need to thrive, yet the market has punished the stock harder than almost any peer. Understanding why that gap exists reveals something important about how investors…

Austin Smith · 2 months ago

How Cadence Design Systems Powers the Chips Behind AI

Every AI chip heading into a hyperscaler data center passes through a tollbooth most investors have never heard of. Here is why that chokepoint is quietly reshaping the economics of the entire AI buildout.

Austin Smith · 2 months ago

How Cloudflare Is Positioning for the AI Era

Cloudflare just cut 20% of its workforce and called it a promotion, not a retreat. Whether that bet transforms the company into the backbone of an agentic internet or exposes a valuation built on…

Austin Smith · 2 months ago

Why Camtek Sits at the Heart of Advanced Chip Packaging

AI accelerators are only as good as the packages holding them together, and one Israeli inspection company just secured commitments that suggest chipmakers are betting heavily on a single point of failure they cannot…

Austin Smith · 2 months ago

What Makes Fabrinet a Key Player in the AI Optical Supply Chain

Fabrinet builds the optical hardware powering AI's infrastructure boom without owning a single design, and that distinction has quietly turned a contract manufacturer in Thailand into one of the most critical bottlenecks in the…

Austin Smith · 2 months ago

Can Unity Software Turn Its Platform Into an AI Winner

Unity's AI ad platform is posting real revenue momentum, but the gap between where it stands today and what AppLovin prints every quarter reveals just how much is riding on the next two quarters.

Austin Smith · 2 months ago