One way to keep your earnings on track is to spread out your cash.

A buddy of mine has what I call a beast-mode emergency fund. It's a full 12 months of living expenses (mine is more like three to four months). Looking for a secure place to grow your savings? See our ...

Image source: Getty Images CD rates are still sitting near multi-year highs, but they won't stay there forever. If the Federal Reserve starts cutting rates later this year, new CDs will likely follow.