December 16, 2025

Never Keep Over This Amount In Your Bank Account – Here’s Why

20 minutes

“Keeping all of your money in your bank account is actually more risky than it is safe.”

Jaspreet breaks down why parking piles of cash in a bank gets eaten by inflation—especially as rates get cut—and shows exactly how much to keep in cash vs. what to move into assets.

You’ll learn the difference between cash vehicles (HYSA, CDs, Treasuries) and assets (stocks, real estate, gold, crypto), how to set up separate accounts for emergencies, big purchases, and investable cash, and the simple passive/active strategies to actually grow wealth.

What You’ll Learn

The problem with low-yield savings when inflation is higher

How much to keep in cash (and where to keep it) for:

Emergency fund (3–12 months of expenses)

Big purchases (house/car/vacation)

“Dry powder” for investing

Cash options vs. protection basics (bank accounts, CDs, HYSAs, Treasuries, Treasury ETFs)

Asset options to outpace inflation (stocks, real estate; plus how gold/crypto/startups fit)

Investing approaches:

Passive: ABB: Always Be Buying (index/ETF habit)

Active: research-led buys while idle cash earns interest

Chapters

00:00 Hook: Why big bank balances lose you money

01:18 Cash vs. assets (and why cash isn’t an “investment”)

04:05 Rates, inflation, and your real return

07:20 Where to park cash: HYSA, CDs, Treasuries, ETFs

10:42 The 3 reasons to save (emergency, big purchase, invest)

14:50 How much is enough: 3–12 months explained

18:22 Passive vs. Active investing (ABB + research)

22:10 Putting it together: your cash + investing game plan

25:30 Final word & resources

Keywords: how much cash to keep, emergency fund 3 to 12 months, high yield savings vs treasury, cash vs assets, beat inflation 2025, ABB always be buying, passive vs active investing, index funds VTI SPY QQQ, treasury ETF basics, inflation and savings, Minority Mindset

#personalfinance #investing #inflation #savings #wealthbuilding #MinorityMindset

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By minoritymindset

184184 ratings

December 16, 2025

Never Keep Over This Amount In Your Bank Account – Here’s Why

20 minutes

“Keeping all of your money in your bank account is actually more risky than it is safe.”

Jaspreet breaks down why parking piles of cash in a bank gets eaten by inflation—especially as rates get cut—and shows exactly how much to keep in cash vs. what to move into assets.

What You’ll Learn

The problem with low-yield savings when inflation is higher

How much to keep in cash (and where to keep it) for:

Emergency fund (3–12 months of expenses)

Big purchases (house/car/vacation)

“Dry powder” for investing

Cash options vs. protection basics (bank accounts, CDs, HYSAs, Treasuries, Treasury ETFs)

Asset options to outpace inflation (stocks, real estate; plus how gold/crypto/startups fit)

Investing approaches:

Passive: ABB: Always Be Buying (index/ETF habit)

Active: research-led buys while idle cash earns interest

Chapters