Capital B Advisory
Savings just sitting there
Cash in the bank you know should be doing more, and a low hum of guilt about not having dealt with it yet.
The situation
It's not
laziness.
It's fear.
Most people with idle cash aren't lazy about it. They're worried about doing the wrong thing, so they do nothing — which feels safer, and quietly isn't.
Cash does have a real cost. Money sitting in a low-interest account loses purchasing power to inflation every year. It doesn't feel like losing money because the balance never drops, which is exactly what makes it easy to ignore.
That said, some of it should absolutely stay in cash. The work is figuring out how much.
The split
How much stays,
how much moves.
Your emergency reserve
Enough to cover several months of expenses if income stopped. This stays liquid and boring on purpose. It is not an investment.
Anything you need soon
Money earmarked for something in the next few years belongs somewhere stable. Markets don't cooperate on a schedule.
Where the reserve lives
A high-yield savings account or money market fund usually pays meaningfully more than a standard checking account for the same access.
What's genuinely long-term
What's left, after the first three, is what can be invested for years rather than months. That part gets a real plan.
What it costs
One session
usually
settles it.
This is a common hourly question — $125 with a one-hour minimum, and often that's the whole engagement. We work out the split, decide where the reserve should sit, and build a plan for the rest.
If you'd rather have a full portfolio built, that's the one-time $485 setup. Ongoing management is available if you want someone watching it, but plenty of people take the plan and run it themselves.
Next step
Twenty minutes.
No cost.
Nothing to prepare and nothing to bring. If I'm not the right fit, I'll tell you on the call.