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Definitely change your deductions ASAP. Never loan the government free money, because you could be earning your own interest on that money and come out ahead.
Consider setting up a savings account at your bank or credit union that allows automatic scheduled transfers. Set up a transfer that's scheduled for every paycheck date that is a couple hundred dollars so you don't even have to think about it. Then every 6mo or so, take what you have in that savings account and put it into a CD so it earns real interest and not the .05% crap most savings accounts provide (and also time locks it so you dont "accidentally" spend it.) That's the bare minimum.
If you have a employer sponsored 401k or similar retirement account, increase your roth IRA post-tax deductions. I wouldn't put all your savings into it though, because it's not accessible cash in case of emergency- but at least put enough in to have something earning ROI, or to take advantage of an employer safe harbor match.
The cents of interest is not worth losing access to a non-accessible savings account.
Your advice is great for someone with lots of disposable income, not great for those living pay check to pay check.
I think they were specifically referring to “CD” account, which generally speaking pays more interest than a standard savings account but requires a commitment where you cannot access the funds for a fixed amount of time 6 months, 12 months, etc)