next year. I'm exposed plenty to the stock market, have a number of real estate investments and have made the max contributions to our Roth IRAs and my SEP. The cash I have is the last thing I've paid much attention to.

I put some funds into a couple of high yield savings accounts when they were paying 5.3%, and now, just a few months later they've moved down to 5%. IF CD rates are an indication, the savings rate will continue to drop while this CD is fixed. I haven't moved any money out of the HYSAs, this is money that was sitting at BofA in a savings account making something like a laughable .01%.

At some point I may look into CD laddering, but for now this is my only CD, we'll see how it goes.