Aug 12, 2026
How much cash should you really keep on hand?
We often hear that "cash is king," but determining the right amount
of cash to hold is one of the most common questions investors face.
In this episode of Something More with Chris Boyd, Chris
Boyd, Russ Ball, and Luke Bagley explore the balance between
maintaining liquidity for peace of mind and putting money to work
for long-term growth.
The conversation examines how cash reserve needs differ during
your working years versus retirement. The team discusses emergency
funds, planning for unexpected expenses, and why many retirees may
benefit from maintaining larger cash reserves than those still
accumulating wealth. They also explain the "bucket" approach to
financial planning, separating short-term liquidity needs from
longer-term growth investments.
#FinancialPlanning #RetirementPlanning #Investing
#WealthManagement #CashManagement #FinancialWellness
Along the way, they address the risks of holding too much
cash, the importance of keeping pace with inflation, and how market
volatility, interest rates, and changing life circumstances should
factor into your decisions. The episode also explores the dangers
of trying to time the market and offers practical guidance for
investors who may be reluctant to invest during periods of
uncertainty.
If you've ever wondered whether you're holding too much cash,
not enough cash, or simply want greater confidence in your
financial plan, this episode offers valuable perspective and
actionable insights.
Learn more at our upcoming seminar
series:
Unlocking Value Without Unnecessary Tax Burden
Unlocking Value Without Unnecessary Tax Burden