In the financial ocean, high-interest rates often stir the waters, creating waves that can either lift your earnings to new heights or crash your financial plans against the shore. When banks and financial institutions hike up their interest rates, it doesn't have to signal trouble on the horizon. In fact, this can be a golden opportunity for savvy investors to surf the rise and grow their wealth. High-interest rates can mean better returns on certain investments, and getting to know the ropes can help you harness this potential.