Here's why you shouldn't keep all your money in a checking account

I don't subscribe to the theory a lot of money in my checking account means. High yield savings account does not make sense. It is not high yield.

There is no place to put short term money and earn interest. Intermediate bond funds provide risk but no reward as the yield curve is at 1.5% to the 10 year. Long term is 2.5 - 3.00%.
We are in for a debt bubble and all the central banks are holding rates down through purchasing the next Treasury instruments on the market.
If you are a saver, you have to move to other investments to get yield.