why you should not have a high yield savings account is because the amount of interest you receive never beats the rate of inflation, so you are guaranteed to lose money with a high yield savings account.
High-yield savings accounts function similarly to traditional savings accounts, except that the annual percentage yield (APY) is greater. The APY on savings accounts averaged 0.05% as of December 2020, according to the Federal Deposit Insurance Corporation. Rates on high-yield savings accounts have taken a hit during the COVID-19 crisis, but still come in higher than those of traditional accounts.
Putting your money in a safe and liquid investment is almost always better, as I explain in the video, low volatility and high volume is your new best friend when it comes to protecting your savings!