Locking all of your money away in a fixed interest rate savings account may sound ideal and even tempting in today's economy, now that inflation is rising again, but it's not always the best approach to take. You'll want to maintain a baseline of flexibility, after all, which isn't achievable if all of your funds have been locked into one account type. And you'll need emergency funds , in particular, that are readily accessible without penalty, which typically rules out storing those

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