certificate of deposit (CD) and money market accounts. Some of these returns can easily outpace the rate of inflation, giving savers a smart and simple way to combat today's elevated costs.

When CD rates started to climb last year, I was pretty quick to throw more money into CDs to capitalize. Maybe you did the same. And these days, you can still earn 5% (and sometimes more ...

Think back. Remember when CD rates hit historic highs? Oh wait, that was only weeks ago -- before the Federal Reserve hinted that it would drop the federal funds rate, and banks lowered the amount ...