Citizens Access Savings vs House Hacking

Citizens Access is the online-only division of Citizens Bank, offering a high-yield savings account with no monthly fees and no minimum balance requirements. It is a great option for beginners who want the stability of a major bank combined with the ease and high rates of a digital-only platform. The account is simple to set up and manage, making it a perfect choice for those who want to start sav...

House hacking involves purchasing a multi-family property (2-4 units) or a single-family home with extra rooms, living in one part, and renting out the others. This strategy is the gold standard for beginners because it allows you to utilize FHA or conventional owner-occupant financing, which requires significantly lower down payments than investment properties. By having tenants cover the majorit...