While it may feel good to deposit a big, round number in a high-rate savings account right now, the reality is that doing so isn't always that easy, especially in today's economy. With inflation surging last month, a paused Federal funds rate continuing to make it costly to borrow and stock market swings significant now, savers will understandably want to maintain access to a portion of their funds. And that can be hard with fixed-rate accounts like certificates of deposit (CDs) .  At the same

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