It’s always necessary to carry some cash in the wallet, right? Besides paying the hawker for our food during lunch time, we also need cash to buy bread at the bakery or get the newspapers at the mama shop downstairs. Therefore, it’s literally impossible for one be fully invested in the stock market right down to his last cent, even if he makes use of financial leverage (but that’s another story for another day).

But even if I can, I wouldn’t want to. As I have mentioned many times already, I am pretty risk-averse (I know I am starting to sound like a broken tape recorder). So yes, those stuff in the My Passive Income page isn’t our entire net worth. In fact, it’s only about 60-70% of our household’s investible assets, which also means that there is actually more than $50,000 of cash or cash-equivalents sitting around collecting dust.

“What?!! You’re having too much cash idling around, earning pitiful interest from those miserly banks. You ...