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If she’s got an online brokerage account (or is considering one), she might want to check into the money market funds that they have available. Most brokers pay like 1% in the sweep accounts - so I my moved the cash in my Roth IRA over to the SW2XX (schwab) which pay’s 4.8%. No transaction fees, and the only strings that I see are that it takes a day or two convert to cash, and the initial minimum is $2000.

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