Certificate of Excitement?

High-yield CDs are nothing new. It's just been a long-time. While a 5% rate feels pretty good after years of low rates, how long will they last? What should you do when rates fall again? Are there better ways to invest, particularly for younger investors? Did God really tell a Colorado preacher to create and sell a worthless cryptocurrency to his flock?

• We hear from a listener who believes that the Federal Reserve FedNow program is designed to control behavior.

• Another wonders if Fidelity can send monthly payments from a 401k?

• Does investing in a target-date fund make sense in an HSA account?