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Any colleague perspectives on whether the 10 year Discover CD at 3.06APR makes sense to consider with it's 9 month simple interest early withdrawal penalty if rates were to rise versus say the much shorter Ally 5 year CD at the present 2.11 APR with only 60 day EWP or another potential low...

Colleagues, I was referred to this forum from a fellow Boglehead after posting the following early retirement question. I received highly valuable input from many esteemed Bogleheads colleagues but thought it would also be beneficial to gain some of your ER forum thoughts with this group's...