Ever thought your money was chilling safely in a CD or annuity, only to find out you can’t touch it without a penalty? Or that your so-called "safe" bond fund actually loses value when rates go up? Turns out, a lot of those old-school investments—like fixed annuities, long-term CDs, and even target-date funds—can quietly drain your returns or lock up your cash. The real hack: always check the fine print and ask, "What’s the catch if I need my money sooner than planned?" #Business #Market #MoneyHacks