I used to keep all my savings in a regular bank account until I saw a friend's spreadsheet

For the longest time, I just put my extra money in a basic savings account at my local credit union. It felt safe, but the interest was tiny, like 0.05%. Then my friend showed me her plan where she splits her cash between a high-yield savings account, a Roth IRA, and a small brokerage fund. I switched my setup about eight months ago after doing the math on what I was losing. Now my emergency fund earns over 4% and I'm actually putting money toward retirement. Do you think it's better to keep things simple or is splitting your money up like this the only way to get ahead?