If you have cash and want to park it somewhere and earn a GREAT rate of return and its bullet proof buy I-bonds. Currently at 9.62% and will be similar on the next 6 month calculation in Nov. Have to keep it there for 1 year then you can pull out if you want you only lose the last 3 months of interest. Down side is only 10k per person per year. Lots of ways around that. Buy them for yourself, Wife, Kids, your Business is eligible, if you have trusts, LLC's, Corps, they are good for 10k as well. Then on 1-1-23 you can buy another round of 10k for each of the entities you used. So in my case I bought 50k with family and another 10k with the LLC I have some land in for a total of 60k. Then on 1-1-23 I can buy another 60k for fam and LLC. Good place to go right now.