Have you thought about negotiating your IRA CD rate to the higher rate effective March 6, 2023 on 18mth CD at 4.50% and 4.55%? I see a lot of possibilities with this rate change. 12mth and 18mth can go higher. Terms greater than 18mth can go higher if moved to 18mth and in RMDS status. Of course, leave $1,000, as placeholder in 3 year, 5 year, and 7 year. You might be able to move any IRA to the higher rate. Actually, this will put you in a better position to move to a higher rate in the future for longer terms. Please cite your progress and examples here.
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