Because you don't care about the number in your bank account, you care about what you can buy with that number. Park your cash in a 5% instrument for a year an

Because you don't care about the number in your bank account, you care about what you can buy with that number. Park your cash in a 5% instrument for a year and you can still afford 3-4% less stuff than you could at the beginning of the year. That's fine for me with a mortgage, but less retirement headroom for many older people.