Don’t Forget: “Set It and Forget It” Still Works
If all this sounds like a lot to manage — relax. You don’t need to become a finance expert overnight. Most online banks make it simple to automate deposits, compare CD terms, and even ladder your investments.
CD laddering, for instance, is when you buy several CDs with different maturity dates. As each one matures, you can either reinvest it or move it to savings — keeping your cash flow flexible. It’s a steady rhythm that keeps your money working for you, not against you.
Automation also helps you avoid temptation. You won’t be tempted to spend what you don’t see. Every dollar that automatically goes into a higher-yield account is a dollar you’ve already protected from inflation.
