Couldn’t agree more. I grew up poor, and I’ve been lucky to find a well-paying job in my adult life. It makes me feel so good to be able to do the things for people that I couldn’t do when I was younger. I love that quote too - that’s totally true for me. I think I get more satisfaction out of being able to offer something than the person actually receiving the thing.
It’s just a bank account at the end of the day, and it’s FDIC-insured, so why not?
I’m using SoFi right now (4.5%), but I’d switch to Wealthfront in a heartbeat if they had joint account support. They’re always very fast to raise the rate when the fed announces a rate hike, and they seem generally pleasant to use from what my coworkers say.