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It's no secret that stashing away funds in a tax-advantaged retirement account is a savvy financial move. However, the stringent rules attached to these accounts can often make it challenging if you need to access your savings in an emergency. 

Certificates of deposit (CDs) can be an attractive investment option, offering many benefits such as fixed returns and higher interest rates than traditional savings accounts. However, there are a few potential downsides and it's essential to understand them fully before diving in. 

Can you have more than one IRA? The short answer is yes, but the reasons you might want to do so are more complex. We take a look at why you might want to have more than one IRA account as well as some of the implications of doing so.