Money market mutual accounts are not FDIC insured and CAN lose money. It is very rare. They usually have a little higher return than a Money Market at the bank.
And for the person that says 20 is not enough to worry about, money is money. You never really know when they are going to spend the money, so one year can turn into two or longer. Either way, it adds up and I have never met anyone that has too much money.
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