If you’re opening a new brokerage account anyway, Schwab’s current refer‑a‑friend deal is basically free money. Use a referral link like this: https://www.schwab.com/client-referral?refrid=REFERAN39RT3K On top of that, Schwab’s free checking + debit card lets you withdraw cash at ATMs worldwide and they reimburse all ATM fees at month‑end — perfect if you travel a lot…