How Much Cash is Too Much Cash | DIY Money Video
In this episode of DIY Money, we tackle a question many people ask (but few answer well): how much cash is too much? Whether you're sitting on $3,000 or $300,000, we break down how to define your “comfortable cash number” — and when it’s time to put excess savings to work. 💼
Key takeaways 👇
🧾 How to determine your personal emergency fund target — not just 3–6 months
💡 The importance of knowing your goals and assigning a purpose to every dollar
📈 When holding too much cash can lead to lost opportunity over time
🛠️ Why planning — not guessing — should guide your investing or saving decisions
💬 Real talk on financial risk tolerance and how to assess your comfort level
Whether you're just building your emergency fund or managing a growing net worth, this episode helps you think more strategically about where your money sits and why.
And remember, the secret to wealth is pretty simple: live on less than you make, invest the rest, and do so for a very long time. Make it a great one!
📬 Have a question? Send it in to [email protected] for a chance at a $25 Amazon gift card!
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DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Quint Tatro, Daniel Czulno, CFP®, Logan Gilland, CFP®, and Allie Howard take a passionate look at everything money, including budgeting, savings, investing, stocks, bonds, debt, and more. For those that enjoy Dave Ramsey, Jill On Money, Smart Money, and BiggerPockets, it’s worth a listen!
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#InvestingStrategy #TaxableAccount #StockMarketTips #FinancialPlanning #PersonalFinance #FinancePodcast #Investing #PersonalFinance #MoneyMatters#FinancialEducation #WealthBuilding #StockMarket #FinancialFreedom #Budgeting #RetirementPlanning #FinancialLiteracy #BusinessPodcast #EconomicNews #Entrepreneurship #MoneyTalks #DIYMoney #EmergencyFund #FinancialPlanning #SaveMoney #BudgetTips #PersonalFinance #CashStrategy #EmergencyFund #FinancialPlanning #KnowYourNumber #SmartMoneyMoves
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📌 Related Terms:
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⏱️ Timestamps:
00:00 Introduction
03:04 Listener Question: How Much Cash in Your Portfolio
04:16 Know Your Number
10:02 Investment Strategies and Risk Tolerance
15:44 Conclusion
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📝 Disclosures:
*This show is for entertainment and educational purposes only, and is not intended as personal financial advice. Before making any financial decisions, please do your homework and consult a financial advisor as needed.
