With 3-12 month CDs now offering much higher interest than my fixed-rate mortgage I'm just happy to dump my extra cash there (after having maxed out on ibonds I

With 3-12 month CDs now offering much higher interest than my fixed-rate mortgage I'm just happy to dump my extra cash there (after having maxed out on ibonds I guess). I guess I don't see the need to "beat inflation" when my consumption on things exposed to inflation are mostly fixed. E.g. I still eat the same amount of food each month