u/Spiritual_Object_444

I have nearly 12 years of history with YNAB, (since YNAB 4 around 2014). Of course, I have used at least 5 different budgets/plans on those years, and I did not have a clear picture of the progress, milestones, average spending, etc. I asked AI to build something and ask me clarifying questions.

I pulled the data from YNAB 4 (exported to csv files), and connected an LLM model to YNAB using my personal token (I want automatic refreshes, you can do it this way, or just export csv files if you don't want to share the token). I am using Muse, but you can do this with almost any other model. Just wanted to share in case you want to give AI a good use and know more about your data.

https://preview.redd.it/z8864ama8huh1.png?width=1288&format=png&auto=webp&s=c7360f2250048465e6f2e5933f2881e07c9aa178

https://preview.redd.it/2hz4hwyl8huh1.png?width=1260&format=png&auto=webp&s=1e688aba2d82add99e893e1fd6b2e026ecbe830d

https://preview.redd.it/w5dnw1ws8huh1.png?width=1256&format=png&auto=webp&s=208df2ef67aa75b660a3d2c4738668ce53b5997b

American Express restricted my HYSA account. I have the idea of moving my HSYA money to Fidelity CMA, one reason is Amex has dropped the APY to 3%. While I am not chasing .5 or 1% yield increase, I think the convenience of investing in SGOV or just keep the money sitting in SPAXX for ATM access (fees reimbursed) is not comparable.

When I transferred a fairly big amount (I started with 10k), they immediately restricted my account and called me to verify it was me. I confirmed that, and they told me anyway my account was restricted and I needed to update my SSN with Chase... Even though I've been using my Chase checking acct. for 3 years to transfer money back and forth... why are they restricting it now? It seems to me they want to add friction for withdrawing the money.
Calling Chase did not help, it looks like I need to go to a physical branch to solve the SSN update, which I don't understand how that affects my Amex HYSA just now and not before.

Has anyone here gone through the same? do you have any recommendation?


Update (5 calendar days after restricted): I visited a Chase branch yesterday, spent around 40 minutes with an executive, took 2 IDs and SSN, making copies and what not. They mentioned it was strange that my SSN was not linked to my checking account but it was to my credit card. They did the corresponding updates and told me it would take 24 hours at most to update in the system. Hence, 25 hours later I called Amex, they said the SSN was still not available and I should call again tomorrow.

3 hours later Amex called me, and mentioned everything was resolved. It seems my transfer went through, but I need to wait until tomorrow or Friday to see it in Fidelity. I did see my HYSA does not show any restrictions banner, so hopefully it’s ok now. I don’t want to do any other transfer now, until I see my money is in Fidelity.

All of this made me think, you might think you’ll have the money next day in your checking if you need it, but something can go wrong and it’ll be 7 - 10 days (or more, as I saw some posts here).

Lesson learned: I won’t keep all my savings in just one place.

Hi, three days ago I created a CMA joint account, now I am trying to link one of my other accounts (which is individual), but I just can't see my CMA account listed as eligible account. I can see it in my accounts list, though. What could be happening? Additionally, microdeposits from my other banks are not visible, even though they should be there by now. It appears like account was inactive.
What could be the issue?