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Farsala said:
Ka-pi96 said:

And many savings accounts don't offer anywhere near 3%

As for stocks, no guarantee at all you'll get the average (or even make a profit at all). Significantly harder to do anything in stocks with small amounts like $5 as well.

And like the stock fees everytime you buy some. So $3 or $10 a day is unfeasible.

Do not take the 5$ a day literally, it is an average, just save some money and put it into some savings from time to time.