#288: Chris breaks down exactly where to park your cash to earn the most, whether you have $10,000 or a few million. From high-yield savings accounts and Treasury ETFs to brokerage bonuses and cash management accounts, he explains the tradeoffs that actually matter—and why the highest advertised interest rate isn't always the best choice. He also shares the interactive tool he built to compare nearly 100 cash options based on your specific situation.

Link to Full Show Notes: https://chrishutchins.com/where-to-put-your-cash-2026

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Resources Mentioned

Tools & Resources

• Chris's Cash Options Comparison Tool
• Doctor of Credit: Best High Yield Savings Accounts
• Doctor of Credit: Best Brokerage Bonuses
• Doctor of Credit: Best Bank Account Bonuses
• FedWatch
• Polymarket
• Kalshi
  
  

Cash Accounts & Fintechs

• Silo Markets
• Bask® Mileage Savings Account
  
  

ATH Podcast

• Ep #62: Protect Your Family, Mitigate Taxes and Preserve Your Wealth with Patrick and Mani
• Ep #177: Best Bank Account Setup to Earn Interest on All Your Cash
• Best Cards Page
• Gift Cards Page
• Newsletter
• AMA: Submit Questions
• Leave a review: Apple Podcasts | Spotify
• Email for questions, hacks, deals, and feedback: [email protected]
  
  

Full Show Notes

(00:00) Introduction
(00:49) Why Cash Deserves Its Own Strategy
(02:46) Why the Stock Market Isn't for Cash
(05:18) Why After-Tax Yield Matters More Than the Rate
(08:18) How Different Tax Treatments Change Your Return
(13:05) Building a Cash Comparison Tool in Claude
(14:12) Why Traditional Bank Accounts Are the Worst Option
(14:39) How High-Yield Savings Accounts Really Work
(17:57) Understanding FDIC Insurance and Keeping Your Cash Safe
(19:52) SIPC Coverage for Brokerage Accounts
(20:12) Why Friction Can Cost You More Than Yield
(21:47) Treasuries, Money-Market Funds, and ETFs
(24:05) Cash Management Accounts as a Bridge
(25:30) Box Spreads and Other Advanced Cash Strategies
(28:58) How Cash Bonuses Can Boost Your Returns
(32:44) Negotiating Brokerage Bonuses at Scale
(34:24) Earning Points on Your Brokerage Account with Silo
(41:05) Walking Through the Cash Comparison Tool
(44:11) The Big Takeaways by Tax Bracket
(45:09) The High-Yield Savings Baseline
(48:02) Why Friction Beat Optimization
(50:13) Stacking Bank and Brokerage Bonuses
(54:06) The Best Cash Strategy

Connect with Chris

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