How are you deciding between adding to individual taxable account versus keeping cash in high interest savings? VOO/SPY/VTI vs 4%+ savings?

Other than maxing 401k/457, and getting close to 10k shares of my beloved SOFI in my taxable account, I have cash in my SOFI saving's, but I want to start DCA in VOO or SPY perhaps. Maybe 1-2 shares per week. But part of me worries about recession fears and the saving's rate is pretty good with SOFI.

I guess I could add the cash to TDA money market and have more margin available. What you guys doing?