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whats up its dont accept reality and today were going to discuss navy federal credit unions special easy start certificate and the special easy start certificate is a phenomenal option for people that struggle with saving money you know uh its obviously a better option than a savings account because you have a better apy higher dividends and you know with a savings account you can transfer money anytime take money out it it it gets hard to save money in a savings account sometimes if you dont have you know the will power and the discipline to not pull the money from that account with the certificate your money is locked up for a period of time but you can deposit x amount of dollars in there whenever anytime you just get penalized for taking the money out so its a great option for people that dont have the discipline to save uh it helps you save quickly um i mean the way you got to look at it so for the special easy easy start certificate as an example like your your term will