Lot Of No

No, no, no, no FUCKING WAY should you do a CD for this. Just no no no no no.

Why do people think this way? This is common, so I am not critizing her specifically. CDs are terrible investments at the best of times but over an 18+ year time frame they are and will be tragic underperformers.

A CD should not even be considered in this case. Almost anything is better than this option.