My short-term cash lives in a high-yield savings accountI keep my day-to-day savings in a high-yield savings account (HYSA). At today's rates, that's close to $1,000 a year in interest for doing nothing. My long-term money is invested for growthWhen it comes to retirement savings, I'm leaning into stocks, not CDs. Why CDs don't make sense for me right nowI could earn a touch more by opening a short-term CD today. Instead, I'm keeping short-term money liquid in an HYSA and investing long-term money in index funds.