cds

Be a fly on the wall as Nicole walks a listener through buying a certificate of deposit (CD) that will yield 5% returns. To learn more about the CD Lauren bought, click here.

To CD, or not to CD…that is the question Henah and I are breaking down this week. When yields are 5% (or higher!) in safe financial instruments like certificates of deposit, what’s the case against fleeing to safety? (Hint: The NASDAQ is up 27% YTD, and the S&P 500 is popping off at nearly 12% YTD.) Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week. — Mentioned in the Episode: Why I Bonds Can Be A Distraction: https://www.youtube.com/watch?v=3LevWqIdvig — Read Money with Katie: https://moneywithkatie.com/ Follow Money with Katie! Instagram - https://www.instagram.com/moneywithkatie Twitter - https://twitter.com/moneywithkatie TikTok - https://www.tiktok.com/@moneywithkatie Learn more about your ad choices. Visit megaphone.fm/adchoices

The current inflation rate in the US is 5 percent. And most big bank savings accounts offer interest rates much lower than that. In this episode, you'll learn how to protect your savings against inflation.

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Today’s News Fix comes with a side of cherry blossom-themed cocktails: New survey data shows that while most workers in the United States value paid time off, nearly half aren’t using all their vacation time. We’ll get into what the new research says about norms in the American workforce. And, it’s Trans Day of Visibility. We’ll explore how the LGBTQ+ community experiences the economy differently and how language shapes discussions of LGBTQ+ issues. Plus, we’ll play a round of Half Full / Half Empty!

Here’s everything we talked about today:

• • “A guide to words related to gender identity and sexual orientation” from The Washington Post

• • “The LGBTQI+ Economic and Financial Survey” from the Center for LGBTQ Economic Advancement & Research

• • “Nearly half of American workers don’t take all of their PTO” from Business Insider

• • “How Americans View Their Jobs” from Pew Research

• • “How 3D printing could revolutionize auto manufacturing” from Marketplace

• • “Why CDs are music to banks’ ears right now” from Marketplace

• • “Could return-free tax filing actually be on the horizon?” from Marketplace

• • “Ramen for breakfast? Cup Noodles’ new flavor tastes like egg, sausage and maple syrup pancakes” from CNBC

We can’t do this without you! Please keep sending us your comments and questions by calling 508-U-B-SMART or emailing makemesmart@marketplace.org.

We know a safe investment isn't as sexy as a startup with the potential to go to the moon. But say that startup ends up being a... Silicon Valley Bank. Slow and steady doesn't sound so bad now, does it? Listen in for Nicole's picks for a safe investment that won't have your stomach in knots.

69. Where To Put Your Short Term Cash (Emergency Fund and House Down Payments!)  We launched a Youtube Channel! Check it out here. Master Money on YouTube. Got questions? Ask me on Instagram Here. @mastermoneyco This is the fastest way to get a response from me. You can also ask questions on TikTok @mastermoneyco Sponsors Thank you to Mint Mobile for sponsoring the show! Check them out at mintmobile.com/PFP Thanks to Policygenius for their support! Get free life insurance quotes at Policygenius.com Thanks to our sponsor Manscaped (Manscaped.com) for sponsoring this episode of the podcast. Use code PFP20 at checkout for 20% off + Free Shipping! Want to Support the Show? Follow on Spotify or Follow and Leave a 5-Star Review on Apple Podcasts! Today We Discuss:  Should you Invest your short-term savings?  What a CD ladder is.  Money Market Accounts vs High Yield Savings.  Plus much more!  More Episodes You Will Love:  The Stairway to Wealth (Where to Put Your Money In Order!) How to Optimize Your Bank Accounts How to Become a Roth IRA Millionaire How to Become a 401(k) Millionaire Savings Rate Episode! Why Index Funds Are King (Plus My Favorite Index Funds!) The Fastest Way to pay off Debt  How to Run the Numbers on a rental Property  How to Spend Money on Things That Bring You Value (Live Your Best Life!) Check out all the Stuff I Recommend!  M1 Finance Open a Roth IRA Personal Capital Free Wealth Management + Budget App and Fee analyzer!  CIT BANK (Best Savings Account) Best Personal Finance Books  The Simple Path to Wealth - J L Collins  The Millionaire Next Door - Thomas Stanley I Will Teach You To Be Rich - Ramit Sethi  Rich Dad Poor Dad - Robert Kiyosaki ** Some links may be affiliate links and we earn a small commission at no extra cost to you. We only recommend products we truly believe in.  Check us out on social fam!  Twitter Dollar After Dollar Instagram www.thepersonalfinancepodcast.com www.dollarafterdollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

I know what you’re thinking: CDs? I haven’t had to think about CDs since the first gen iPod came out. But, no, Nicole is not talking about those CDs; today, she’s talking about Certificates of Deposit. Listen up to find out if they’re a good fit for you! Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.