While it can be tempting to deposit as much money as you possibly can into a high-rate certificate of deposit (CD) account now, the reality is that you likely need to maintain access to your money. And, with a CD account, you won't be able to. The high, fixed interest rates that CDs come with require savers to sacrifice access to their funds for three months or longer to earn that rate. In today's volatile economic climate, in which inflation is rising and wages are softening, however, this is

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