Over the past 14 years, we've seen a major shift in interest rates that's changed how we handle cash. Starting back in 2008 during the financial crisis, rates were so low that many people kept minimal cash because it just wasn't earning anything. But after the pandemic, rates climbed, making it easier to earn decent returns on savings.

Now, as we expect more rate cuts, it's a good time to rethink how we manage our cash and consider smarter investment strategies.