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.
MMAs are deposit accounts like everyday savings accounts and function similarly. MMAs are eligible for FDIC protection if held at a bank, and they are included in the $100,000 limit with other individual savings accounts. If the MMA is held jointly, it is included in the separate limit for joint accounts.