Mark Moss breaks down where to park idle cash instead of volatile assets like Bitcoin. He outlines three tiers: Treasury bills at 3-5%, money-market accounts, and higher-yield products returning 12-13% while keeping principal stable. The goal is income on cash that sits still, not appreciation.
So now that I have these individual accounts, I don't want to spend it. I don't want to put it in something like Bitcoin that's highly volatile. So what I want to do is I want to put all of this money into something that I would call a cash equivalent. So this might be anything from treasury bills that might be paying anywhere from 3% to 5%. It could be like money market accounts all the way up to maybe something a little bit more exotic that I like to use, like a stretch or like a SADA that could be paying 12% or 13%. Now the purpose of those are to stay like cash. There's no capital appreciation. They don't go up, they don't go down. Maybe they go down a little bit. But now these buckets of cash are making money for me while they're waiting. So we've established that. Now that I understand what my cash flow is, we want to think about what do we do with the potential excess that we have over here?
