 potentially five percent or more a year on those cash investments wow okay so pay attention to variable rates lock in savings rates and number three on the list put off large purchases how come okay so this isn't something this isn't like a hard and fast rule but if you're planning a major purchase like a home or a car then it could pay to wait since we're going to see lower interest rates ahead which could reduce the cost of financing but it's a little bit of a double-edged sword like