I do have a Ralphs Club card, and every 6 months or so I get $10 off a bottle of wine.

Thanks for working out the math for me, I’m glad to see that at least I didn’t come out negative.

And as the other poster pointed out, the liquidity is a plus. If I needed 10K today I doubt I could get it at 6.5% fixed.

Does anyone see CD savings rates going above 7% in the next 10 years?