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Safely investing your money is essential to building your high-yield emergency fund. Another tool we have is Certificate of Deposit (CD) laddering. CD Ladders consist of buying different CDs at various times. This allows other CDs to mature at different times, allowing you to reinvest accordingly. CD laddering aims to ensure you are getting the highest yields with the lowest risk. You don't want money locked away when it can achieve higher yields. We can use CD Ladders and our other savings instruments to create an excellent umbrella of financial security-yet another way to ensure our financial safety through unknown times.