Emergency funds aren’t for flexing; they’re your financial body armor. In this episode, Jack Smith breaks down whether a high-yield savings account or a certificate of deposit (CD) is the smarter move for storing your emergency cash. You’ll learn the real tradeoffs, the hidden risks, and how to avoid locking your money away when you might need it most. Skip the fluff, this is the tactical, no-BS guide to protecting your future without losing flexibility.