In this podcast episode, TJ van Gerven, host of "Do More With Your Money," discusses the importance of understanding the real return on cash in an inflationary environment. He advises against holding too much cash, as it can lose value over time due to inflation. van Gerven suggests considering factors such as total cash position, net cash balance, fixed expenses, and personal spending habits when determining the right amount of cash to have on hand. He recommends aiming for a cash reserve of 3 to 12 months, depending on individual risk tolerance and financial situation. He also emphasizes the importance of maintaining good financial habits regardless of interest rates.