Don’t let the discount brokers screw you on your cash.  A little secret they won’t tell you about (unless you complain and ask) is that you are only getting paid about 1.2 to maybe 2.0% APY on your idle cash.  However, as an example at Schwab you can buy the SWVXX or SW2XX “Investor Fund” and get paid over 4.5% APY.   More details on this to be posted later …


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