How do you decide how much of your money to save/invest (treating that as a lump category here - not talking portfolio shape) vs spend?
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Best options kind of got gutted after March Madness, yeah? HYSA not looking so hot these days, but where else is yield (put down payment in crypto, obvi)
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If CDs were worth a damn I might do that.. but at this point, many of them have <= interest rate of my savings account :-p
End of conversation
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