Moved half my emergency fund to 9 month CD

I'm pretty much certain the HYSA rates have nowhere to go but down next year (I have an account with CIT Bank @ 5.05%), so got proactive and bought a 9 month CD @ 5.75% with Forbright. Why now? The CD rates will also be lower before too long and 9 month is the sweet spot. So, 50-50 allocation that would cover me for a couple of years. TBills are the same/less, and I'm in WA state so no tax benefit to me. Have various other investments including a rental, 401(k), individual stocks, etc. may put future cash into ETF's and cruise.. Edit: my emergency fund is $100k which is plenty. I have no debt (including mortgage, nada), house & ADU are brand new, have four paid for cars. Honestly our monthly outlay is groceries. Wife works and makes decent money, we both max out our 401(k)