"Rich" people have a real advantage here. For historic reasons, I have an overdraft facility on one of my checking accounts of $15,000. This means I can time d

"Rich" people have a real advantage here. For historic reasons, I have an overdraft facility on one of my checking accounts of $15,000. This means I can time dividend payments from my company optimally for tax, large investments, and so on, without worrying too much about personal liquidity, which saves and makes me money. The interest isn't free, but we're talking "daily latte" sort of expenditure.