Today's high-rate environment is tough for borrowers, but it can pay off for savers who make a few smart moves.

If you're getting a tax refund this year and want to grow it, here are the best high-yield savings accounts to make it happen ...

However, your earnings grow tax-free, and your withdrawals in retirement are tax-free. The tax-free income can come in handy if you believe you'll be in a higher tax bracket when you retire.

so you might earn more by switching. Buying savings bonds or building a CD ladder also might be worth considering. Keeping your money in a place that earns interest can help grow your savings.

As a result, the amount earning interest grows bigger and ... The longer you let your investments grow, the more rapidly they grow. Consider a single $1,000 investment growing at 10% annually ...