Thanks, good info.

I have a direct deposit with WFargo and got this email from them yesterday, advertising their special intro CDs and rates. What caught my eye was the interest rate at the bottom of the ad below to which the CD reverts if you allow it to roll over on its own.

4 month Special Fixed Rate CD1

3.49% APY
Relationship APY2 may be higher
Special Interest Rate
3.43%
Annual Percentage Yield (APY)
3.49%
Relationship Interest Rate
3.68%
Relationship APY2
3.75%
Term
4 months
Renewal Term
3 months
Current Renewal APY
0.50%


The current renewal APY is only 0.50%?

Bit of a hijack but this thread got me thinking. Let's say I have a year of expenses for my emergency fund. We'll call it $120k for discussion purposes. Right now, it's all in a HYSA. I'm thinking I need to do some things discussed in this thread regarding CDs or muni bonds.

That being said what split would y'all recommend? Also, I don't really put much in my after tax brokerage currently since I've been building up my emergency fund. Would y'all advise additional savings into the after tax brokerage and/or putting some of the emergency fund in as well?