 you can be a lot more proactive when it comes to credit card debt. That includes switching to a zero-interest balance transfer card or consolidating and paying off high-interest credit card debt with a personal loan, which could have a much more competitive rate. Okay. We're speaking with Jessica Dickler, personal finance reporter at CNBC. The piece is called Three Money Moves to Make Ahead of the Federal Reserve's First Rate Cut in Years. Number two on the list, lock-in savings rates. Explain that.