<prompt> Human: Before I was about to jump the gun and dump all my money into a fixed six-year 3.10 CD with Marcus, I read about laddering from a blog post by Ally. My situation is as follows:I have 22,200 that I will for sure not need in the near future. With Marcus I plan to put them in the classical CD laddering strategy of 1 2.45, 22.50, 32.55, and 42.60 year terms. Each will have 5,550. When the 1 year term ends I was planning on adding this money into a high yield savings account at 1.85 also with Marcus assuming that APR stays the same. The same would follow for the 2, 3, and 4 year CDs. I cant even do the math on this cause Im on a phone at the time of this posting. Alternatively if I dont follow this plan or find a better plan, I would just dump all 22,200 into a six-year term as follows and gain 4,463 after that period is up according to the Marcus CD calculator Thoughts and better solutions?Thank you all in advance!  <response>: Any reason why you dont invest some of this money if you dont need it in the short run? 