The choice between the stock market and high-yield savings accounts can be a tough one, especially in today's high-rate environment. Andrii Yalanskyi/Getty Images

Economic conditions are uncertain right now. Interest rates are high, and inflation has been ticking up in recent months. To top it off, the Federal Reserve is poised to cut rates for the first time this year, which could cause a major shift to occur.

With all this up in the air, it can be hard for consumers to make decisions about their money. Should you stow it safely away in a high-yield savings account ? Should you invest it in stocks and hope to make a hefty profit on future market fluctuations ?

The choice isn't easy, but there are certain times when one option may outweigh the other. Here's what experts re

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