what's a saving account? /s

There is a plus up in the top right group of icons. When you click it, it gives you options to choose from and asks if you want to make a thread, post, link,ect. Once you are in that page there is an option for what magazine you want it to go in. [FYI I have been using kbin for three days so I could be wrong.]

oh this post has nothing to do with the Threads app by Meta. please refer to a-man-from-earth's comment.

Ahh ok. that clears up a lot. thank you!