The Florida Retirement Podcast

Dead Money: The Hidden Cost of Doing Nothing


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What if the cash you trust most is slowly working against you? In this episode of the Florida Retirement Podcast, financial advisor Murrell Winter breaks down the hidden risks of dead money—cash sitting in banks, low‑yield accounts, or underperforming assets that lose purchasing power to inflation. Using real‑world examples and even lessons from financial history, Murrell explains how inflation quietly erodes wealth and why holding too much cash can create a false sense of security. The conversation explores smarter ways to position money so it stays flexible, productive, and aligned with long‑term goals, including enhanced money markets, fixed strategies, and growth assets. A thoughtful discussion for anyone questioning whether their money is truly working for them.

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The Florida Retirement PodcastBy Murrell Winter