CD or High-Yield Savings? $20k Dilemma

Got $20k sitting around? Here’s the scoop: CDs and high-yield savings accounts are both offering sweet interest rates right now, but there’s a catch. CDs lock in your rate (and your cash) for a set time, so you can’t touch it without a penalty. High-yield savings accounts let you dip in anytime, but their rates could drop soon if the Fed cuts rates. If you want flexibility, go savings. If you want a guaranteed return, CD’s your friend. Either way, don’t let your money snooze in a regular savings account! #MoneyMoves #SavingsHacks #PersonalFinance #Business #MakeMoney