Fixed rate debt, locking in low rates in undervalued assets prior to rate hikes, before the Fed pivots and starts hyperinflation so you own a house (while everyone else is sidelined in hyperinflated cash/high interest debt)

During a downturn with rate hikes, a possible sovereign debt crisis and commodities/inflation possibly moving higher, look at high yield treasury bonds

max out series i bonds - $10k per person or company - 9.62% yield atm - state tax exempt

if you have a lot of extra cash and no debt or low interest fixed rate debt, then park it in a no penalty CD, savebetter is paying 3% CD atm, no penalty, withrdaw anytime then park the rest in 2-2.5% savings accounts atm