[SHIBUMI]

Most folks that play in the stock market at an older age do it as a hobby. You don't gamble what you can't afford to lose. Folks living off of their money are glad to see cd rates up from
2%. 5-10 years rates are lower because banks believe that rates will go back down in the short term. You can get 5+ % on 5-10 year cd's, BUT, they are not call protected. This means banks can call, redeem, them at their whim. That whim happens when interest rates go back down, like in a recession to promote business. Goal is to get the longest term protected rate you can, then sleep easy.
The federal reserve, does what it says it will do. Stock people try to bend and twist their meaning. The rate will go to 5 or 6 until inflation starts to cave. Then it will sit there for awhile, the banks are saying 2-3 years. Enjoy that guaranteed money while you can.
Stock pickers are just playing bingo with the market as they don't have much to do. Get out and enjoy what life you have left. Inflation is a supply side issue that will still take 2-3 years or more to conquer. Sleep better at nite with fixed income. That window will close soon enough. BUT, if you really enjoy playing Bingo, have at it, just stop complaining.