Locking your money away in a savings account that you won't be able to touch without a fee doesn't make sense in a steady economic climate. Unfortunately, for many savers, this isn't that climate right now. Inflation , while markedly cooler than it's been in recent years, has risen recently and remains a full percentage point above the Federal Reserve's target goal, according to the most recent data. Unemployment also recently ticked up, and widespread layoffs are now a growing concern. In this

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