I am 46, single, no kids. I am a health care professional. I feel that I'm generally a very good saver and a not so good budgeter - hence the credit card debt payoff I worked through in 2020.I just checked Capital One's 360 performance savings went up 0.10%. I think it was 3.20% when I first opened my account then it went to 3.30%. So far it's just been very small incremental rates increases. I also noticed that their CD rates have not gone back up to 5.00%. I was worried when I opened my two accounts, after listening to Suze Orman speak, that they would have big rates increases right after I opened my accounts. The term was only 11 months, so it's not like I'm locked in for a long time either way.
I wish I had gotten some I-bonds when the past two years. Now it seems like inflation is finally slowing down. I can't remember exactly why, but there was a reason I was hesitant to invest in them initially. Maybe I was worried about cashing them out early? Not quite sure.