Even if rates continue to fall next year, you'll still earn more than with a traditional savings account. https://www.cnet.com/personal-finance/banking/high-yield-savings-apys-still-over-4-despite-the-feds-rate-cut-todays-savings-rates-dec-20-2024/#ftag=CADf328eec
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The last SSDI payment for March is on the way. If you haven't received your check yet, here's when to expect it. https://www.cnet.com/personal-finance/social-security-disability-insurance-marchs-last-

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