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I have a very boring and very predictable answer when people ask me where they should stash things like their house down payment savings.
“Are you in Canada? Then my answer is EQ Bank, no question.”
I recommend them in comments and emails and posts so often for a reason: they’re who I actually used to store all my big savings goals. That included our house down payment savings and our closing costs, and these days, it’s where I keep my tax savings. ....

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