except the real person’s real expenses are going up way more than that, and the increase will likely accelerate

CD Rates are so horrid I am not sure why this would be much of an option. In the end you’re still losing money due to inflation. Why not just toss the money into some TIPS?

I also use Out Of Milk. Before I go shopping I re-order the list by dragging items up and down with the right-hand-side control. I put things in different order, depending on which store I'm going to.

I enjoy going because it’s my alone time.