Building up and sitting on cash in your bank account.

The S&P 500 has an average return of ~10% annually over the last 90+ years. If you have a short term need for some of the money in your bank account and can’t handle any volatility, you are better off moving it! There are financial vehicles that can keep your money safe from loss and allow for high growth all while keeping your money liquid to you. Just imagine you had invested $300K in such a vehicle and received a 4% return annually. After eight years you would have made $110K with your investments with zero risk. If it sat in a savings account, CD or Money Market earning 1%, you would have just an extra $25K in your pocket.