Heres the dirty truth putting money in a regular savings account will do nothing for Future You.

Yep, we said it.

The problem is that you still need a savings account for your emergency fund or vacation fund.

A woman looks at her iPad while money flows from it.

What is that 0.05% average APY going to do for you?

But asavings app called Yottamakes keeping your savings account worthwhile.

Heres how it works: For each ticket you have, you choose seven numbers.

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And every evening, Yotta displays a winning number.

The more numbers you have matched by the end of the week, the more money you win.

No Interest Til Almost 2027?

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Thats a pretty sweet deal.

Yotta also offers a free credit card with no interest, fees or credit check required.

Did you know?

Ready to win $10 million?

Take two minutes to sign up for your free Yotta account and connect your bank account via Plaid.

Start saving and earning tickets nowand you could be rolling in the dough by next week.

Kari Faber is a staff writer at The Penny Hoarder.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…