Living is expensive, and saving money is hard. A high-yield savings account can help you earn interest on cash you're able to put aside. But if you find yourself making frequent withdrawals, the money you're stashing may be dwindling faster than you'd like. A savings account shouldn't be treated like a checking account, said Chad Harmer, financial planner and founder of Harmer Wealth. "The key is balance. Use the account as a safety net, but not as a go-to for everyday spending," Harmer said....