# Are You Saving Too Much Cash? How to Know When to Invest More

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Text version: https://stenobird.com/podcast/everyone-s-talkin-money-172936/are-you-saving-too-much-cash-how-to-know-when-to-invest-more.md
Podcast: [Everyone's Talkin' Money](https://stenobird.com/podcast/everyone-s-talkin-money-172936)
Published: 2026-06-23T14:50:00+00:00
Episode link: https://www.everyonestalkinmoneypodcast.com/1539
Audio file: https://pscrb.fm/rss/p/traffic.megaphone.fm/YLYLL8991318458.mp3
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JSON: https://stenobird.com/v1/public/podcasts/everyone-s-talkin-money-172936/episodes/are-you-saving-too-much-cash-how-to-know-when-to-invest-more
Duration seconds: 2567

## Resource

Having cash feels good. It feels safe. It feels responsible. It feels like proof that you are not being reckless with money. But is there such a thing as saving too much cash? In this episode, Shari Rash, founder of GWA Wealth, breaks down how to know when cash is doing its job — and when it may be quietly holding you back. Cash is important. Emergency funds matter. Money you need soon should not be taking unnecessary market risk. But when too much of your long-term money sits in savings because investing feels uncertain, that “safe” choice may start costing you growth, flexibility, and future options. Shari explains how to tell the difference between smart cash and fear-based cash, why women who are good with money often over-save, and how to decide what money should stay safe versus what money may need to start working harder. You’ll learn: Why cash can feel emotionally safer than investing When cash is absolutely doing its job How much cash may be enough for your emergency fund and near-term goals Why too much cash can create inflation risk and opportunity cost The difference between an emergency fund and a fear fund Why single women may need to think differently about cash, independence, and flexibility How to move from cash to investing without making a dramatic money move The simple Cash Confidence Check-In to help you give every dollar a job The goal is not to drain your savings or shame yourself for holding cash. The goal is to make sure your money is doing the right job for the life you are building. Because safety is not just having money sit still. Safety is knowing your money is working in the right places. If you want help figuring out how much cash to keep, what to invest, and how to connect all of it to your real goals, learn more about working with Shar…

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## Transcript

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