i had one of those CDs at 16%. I remember my father telling me "you will never see this again".

This is a good lesson in economics. "Growth" doesnt grow on trees. You have to create something of real value for real growth. We havent done that in a very long time. All growth is driven by the funny money.

In a real honest world with no fiat money, we can expect growth at the same rate as population growth, and whatever you save will hold value for generations, so you dont have to worry about CDs or anything else.

The only reason we used to get 15% CDs was because they didnt have sophisticated frauds worked out to hide real inflation yet, so they had to actually do something. Money was not growing in these CDs, just keeping up with inflation.