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I have very little in my savings account. As soon as I have a little savings built up, I look for the best deal on a short-term CD and invest. I find it's better to keep my money out of my hands. If I need a lot of money I have to wait 7-10 months for all of my CDs to come due and then pull the money instead of renewing the CD. That keeps me from making a large impulse purchase. I'm too dumb to have access to a large amount of money all at once.
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I like pie.
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