Friday’s need-to-know money news

Today’s top story: When and why you should open a CD. Also in the news: Increase credit limits now in case the economy worsens later, and if it is possible to live without credit cards, debit cards, and cash apps.

Ask a Nerd: When and Why Should I Open a CD?
Certificates of deposit are having a moment, but they’re best for specific savings goals.

Increase Credit Limits Now in Case the Economy Worsens Later
Consider increasing available credit on credit cards when your accounts and the economy are still in good standing.

Is It Possible to Live Without Credit Cards, Debit Cards, and Cash Apps?
Cash is the ultimate in anonymity—but it’s tough to live without a card or payment apps these days.

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