The times, they are a changing

So, that rate cut the federal reserve has, of course, changed things. I was hoping that the rate would at least stay static, or possibly increase, but that seems not to be the case. As such, I must readjust.

The rates of CDs have dropped immensely. I'm abandoning my CD ladder plan for now. I'll get better rates just having the money in my savings account, which brings me to the second expected change.

Any day now, my high yield savings account will be dropping their rates. I'm not going to do anything about it, but I am aware that it will happen. I'll readjust as it happens. On the bright side, I'll be able to get better rates on my debts, and refinancing my auto will result in a better deal. That's very good.