Yeah. Cash is trash. Only keep enough cash to handle emergencies, e.g. 3-12 months of expenses to handle job loss. You don't want 100% of your wealth in potent

Yeah. Cash is trash. Only keep enough cash to handle emergencies, e.g. 3-12 months of expenses to handle job loss. You don't want 100% of your wealth in potentially volatile assets, because job loss will often correlate with market corrections, forcing you to sell your assets at the worst possible time, when you would ideally be buying. However, one trick you can use is to borrow against your assets. Not only do you not need to sell at a bad time, but you don't get dinged by capital gains tax. There are pitfalls here that can make it dangerous, but here's an example of executing it, https://www.mrmoneymustache.com/2021/01/29/margin-loan-ibkr-review/ https://www.mrmoneymustache.com/2021/01/29/margin-loan-ibkr-...