The Smart Split Strategy
One of the smartest things you can do right now is split your money between liquid savings and fixed-rate investments.
Here’s a practical approach:
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Keep 3–6 months of expenses in a high-yield savings account — something you can access instantly for emergencies or opportunities.
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Lock in the rest in short- or medium-term CDs while rates are still high. You’ll earn steady returns without worrying about market swings.
This hybrid strategy balances safety and performance. Your savings remain accessible, but you’re also letting some money quietly grow in the background.
💡 Think of it like layering your protection — short-term liquidity meets long-term security.
