I've had lots of trouble sleeping over the last 5 years and have a routine of taking Tylenol PM or similar each night to help me sleep.
money market account. A savings account which shares some of the characteristics of a money market fund. Like other savings accounts, money market accounts are insured by the Federal government. Money market accounts offer many of the same services as checking accounts although transactions may be somewhat more limited.
Regulation D: What it means. Any savings account is bound by Federal Reserve banking restrictions. Called Regulation D, this rule limits savings transfers or withdrawals to six per month or statement cycle. With the restrictions on savings accounts, Leonard doesn't recommend lumping money into one account. Savings accounts are for saving.