In episode 198 of the AnnuityStraightTalk.com Podcast, Bryan Anderson asks a simple but provocative question: are Cd

Bryan breaks down the hidden mechanics behind certificates of deposit—how banks use leverage to earn many times more on your money than they pay you, and why that “safe” 5 percent CD might not be as smart a move as it seems. He explains where CDs make sense, why short-term interest rates are a gamble, and how the lack of compounding quietly erodes long-term growth.

You’ll also learn:

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  When short-term CDs can be useful for short-term goals

  
  


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  Why many savers get trapped in a “renew and repeat” cycle that stalls real planning

  
  


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  How MYGAs and other fixed annuities can outperform CDs through compounding, tax deferral, and higher guaranteed yields

  
  

Bryan closes with practical guidance on using CDs wisely while you research longer-term income options—and why locking in better rates now could protect your retirement income from falling yields.

Learn more or schedule a call at AnnuityStraightTalk.com.