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![DataDInvesting Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1527430369183531008.png) Data Driven Investing [@DataDInvesting](/creator/twitter/DataDInvesting) on x 43.1K followers
Created: 2025-07-19 02:25:02 UTC

Hey @DaveRamsey I'd love to hear your justification for this clip because I can't understand why you said what you did: 

$SoFi gives XXX% APY on their savings account with any kind of direct deposit, Fairwinds, who you suggest to go with, gives a max of 3%, but only if you invest $25k or more with their buddies over at LPL Financial. Otherwise it's XXXX% or less and Fairwinds charges fees if you don't keep certain thresholds in your account, something SoFi never does. SoFi also gives more APY on their checking account than Fairwinds. Last I checked, Fairwinds is making money on their deposits the same way as SoFi, by giving out loans to people and charging them interest.

Not sure why you are besmirching a company that takes better care of its customers than your sponsor that you're pushing people to use.

![](https://pbs.twimg.com/card_img/1946330757535813632/w3CC6fQf?format=jpg&name=800x320_1)

XXXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946395828089970765/c:line.svg)

**Related Topics**
[$25k](/topic/$25k)
[savings](/topic/savings)
[apy](/topic/apy)
[$sofi](/topic/$sofi)
[investment](/topic/investment)
[sofi technologies](/topic/sofi-technologies)
[stocks financial services](/topic/stocks-financial-services)
[$dave](/topic/$dave)

[Post Link](https://x.com/DataDInvesting/status/1946395828089970765)