Hello and Welcome!

My name is Jacob, a husband to a wine-blogger wife, father to two bouncy-boy toddlers, and I'm the owner/author of My Personal Finance Journey. By day, I am a scientist working in bio-pharmaceutical development. Personal finance has been my hobby since 2007 when I started teaching myself through books (that finance B.S. degree didn't teach me much!). Learning how to save, adopt a frugal mindset, and invest my own money soundly has allowed me to have a savings rate > 50%, increase my net worth by > 20 times, grow my career, and always do what I love. Check out the About Me page to learn more!

Groups I Am a Part Of

Proud Member of the Yakezie Network

Favorite High Yield Online Savings Accounts

Currently, the best online savings account I have found (one with highest rating and easiest to use) is DollarSavingsDirect.com. All accounts are FDIC insured, according to law, and the current interest yield is 1.50%. This is the website branch of Emigrant Bank, which has been around since 1850. Quite a good deal! I have all of my emergency savings money in this account.

Go to www.dollarsavingsdirect.com to open up an account for free. The minimum account balance is $1,000

    Account Highlights
    • Open your account online. It’s quick and easy.
    • No Fees. $1,000 account balance minimum.
    • No need to change your checking account. Your Dollar Savings Accountâ„¢will be linked to your current checking account.
    • Access your account 24/7 at DollarSavingsDirect.com.
    • Have a question? Visit our FAQ page.

About the Author Jacob A Irwin

Hi folks! My name is Jacob. I am the owner and operator of My Personal Finance Journey. I started this blog in January of 2010 and have enjoyed the journey ever since. Since finishing up graduate school in Virginia in 2014, I have been working in biopharmaceutical development in Colorado. You can read more about me and this site here​. Please contact me if you have any questions!

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