Where I keep my spare cash is not exciting, and that is on purpose. A couple of accounts, a simple rule for what goes where, and no app-hopping to squeeze out the last 0.1%. This is the current setup, and I plan to refresh it each quarter so it stays relevant. The Cash Trade-Off I Am Making: Trilemma Holding cash always forces a choice between three things, the classic trilemma: easy access, decent yield, and safety. You can usually have two of them easily. But chase all three, and you end up spread across many accounts, each with its own cap, min-spend hoop, or time-limited rate that lapses the moment you look away. I picked safe and accessible for the money I might need soon, and let the yield be whatever it is. For the money I do not need soon, I locked in a better rate and gave up the quick access....