Temporarily sacrificing access to your money may not seem particularly advantageous right now, especially if you're considering doing so with a five-figure amount like $20,000. After all, inflation remains sticky and problematic, layoffs are surging and the prospect of additional interest rate cuts appears murky, at best. So locking your money away with a certificate of deposit (CD) account , for example, may not seem particularly advantageous now, especially after average rates here declined

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