Thanks for this. We were thinking of going in that direction. Our local credit union has retirement IRAS, and if you put it there, and then buy CDs, when you break them early, they don't penalize you at all. Just give you your prorated interest. As we don't know exactly when we may need the money next year, I think we are doing to do this. We won't make much on CDs, but I'm not making anything on my 401K, rather the other way.
Thanks for your answer.
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