<prompt> Human: I went to a bank yesterday to open a CD for the first time. I was prepared but they werent. I had to wait three hours for them to do this. I didnt have lunch. I had to take care of this before I eat because the banks close at 2pm and it was already 12. After the first hour I was ready to leave but I stuck it out.Why? Theyre the only bank that offers to open CDs for you at 1000TTD. Everyone else requires a minimum of like 10K.I couldnt return another day because I took a day off to do this as well as a lot of other errands.By the time I made it to the desk I was beyond hangry. While the girl was talking I was so mad and I just wanted to get something to eat and be done with waiting I messed up. I agreed to a 6 month term at 0.4 interest rate. I could have easily agreed to a renewable CD with 2000 at 0.2 but I was so mad and hungry and didnt want to do math I just went with it. I was intending for this to be a more short term investment. I learned my lesson, dont worry. Plz dont yell at me. I should have been better prepared. Im sharing this so I can somehow own up to it and hold myself accountable. Im now planning to return to this same place and open a CD with 5000 on a monthly basis providing that it auto-renews. Isnt it better to have multiple CDs with a low rate as this with large-ish sums in there compounding on a monthly basis than a large sum with a large interest rate over a long term? Please tell me your thoughts but dont be too hard on me. Im new at this and I feel like I messed up and wasted time.  <response>: What is the point of a CD that carries such a low interest rate? Why not just open up a high yield savings or invest in a bond fund? 0.4 every 6 months is peanuts - that is less than 1 annually. 