I hope I didn't leave the wrong impression. I'm all for laddered CDs. I'm just not there, yet. I'll move into that phase once DW and I get down to the wire. Right now we have several sources for funds in case of an emergency so the CD ladder doesn't make a much sense to us. We have quite a bit in I-bonds (six months expenses worth) from back when they were a better deal. I'd love for those days to return, btw.I will look at TIPS and Munis when the time comes just to see if there are better places for secure money. But I have no problem with CDs. And like anything else, I have to tweak everything. So I'll probably come up with a "go/no go" test to decide when to extend the CD ladder, when to wait it out a year and when to double up. I just can't follow simple directions.nmckay
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