Hello all. After a long-fought battle of getting my life in order. I am in a better place. I’m about 5 years from debt free including my mortgage. My question is about what I should do.

I have a regular checking and savings account. An affirm savings at 4.35 a credit karma & Tellus savings at 8% for 5 k then 6. (not FDIC secured)

The regular checking and savings are for bills and rainy-day fund/ unexpected expenses.

I affirm I was using it for savings but there is a card attached to it to take out money or pay the shop pay balances for kids' clothes. ( so it does get touched)( and recently feels like it's a backup rainy day fund, not an emergency fund))

The regular checking and savings are for bills and rainy-day funds/ unexpected expenses. y or pay the shop pay balances for kids' clothes. ( so it does get touched)( and recently feels like it is a backup rainy day fund, not an emergency fund)

I also have a bit in a stock market account that has done well historically.

8% have nothing in them yet as it's new and not FDIC-secured

The regular savings has 100 in it and gets 100 a week

The affirm has 30 in it and 200 a week going into it. With 220 coming out a month

I put 100 a month in the 5.1 for a friend that we have a barter system for(they clean my house for 100 a month)

I could possibly move around 150 a week.

I affirm I was using it for savings but there is a card attached to it to take out money or pay the shop pay balances for kids' clothes. ( so it does get touched)( and recently feels like its a back up rainy day fund, not an emergency fund))

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