Just asking, I myself am pondering this idea for next year. I know anything can happen by that time, but I like to overthink stuff. This way when its time to act on something I am not thinking about it, just doing it. So, who is using cd ladders? Whos Thinking about it? Pros and cons? Do you set up a five year strategy? Is this only for big money? Or can you invest a small amount? Just gathering information. Thanks.