Finally called the bank about the CD today instead of just stewing over it.
Breaking it early comes with a penalty, which I figured, but hearing the actual terms out loud made the decision easier somehow. The rep was patient, walked me through the fine print without making me feel bad for not asking sooner.
Still weighing whether the hit is worth it versus letting it ride, since I’m not spending much right now anyway. At least it’s not just a vague worry in my head anymore.
Got a short jog in before the call too, mostly to settle my nerves. Knee felt steady this time, which I’ll take.