Here's one for you. Buy iBonds from treasury.gov now! Think of it as a risk free savings account that pays almost 10%[0] at the moment since it tracks inflation which is currently high. If you need the money back you just forfeit the last 3 months interest.

If you have a business open an account for that entity as well, get one for your spouse, get one for your child, then spread the word. Note the limit is $10k per year.

[0]https://www.treasurydirect.gov/indiv/research/indepth/ibonds...