<prompt> Human: I just began researching CD rates but 1.6 is abysmal. Using the rule of 72 that would take 45 years to double! That is pointless for someone who is just starting out. I got the idea to Google CD rates around the world and there are many attractive offers out there. Would an offshore account be worth it? How can I take advantage of this? Am I an idiot for even wondering? What are my options for a safe account that would actually make me some money?Personal info in case it matters:231 loan with 2000 left3 mutual funds avg 12 a few stocks here and there began dipping my toes before the loan edit: not emergency fund  <response>: You would run the currency exchange risk which could be huge. 