Olga Pankova / Getty Images Leaving money in a savings account is typically fine, but it may not help you build enough wealth for your future. Key Takeaways Traditional savings accounts preserve your balance but rarely outpace inflation, eroding your money's value. Balances left dormant for too long may be handed over to the state. It's smart to put your savings somewhere it can earn a high return. The best high-yield savings accounts pay 12 times the national average. Also consider some longer-ter ...