Your idle cash is on life support—$20 K in a sweep account at 0.05 % nets roughly $10 a year. Redirect it to a Treasury-backed money-market ETF like SGOV or fund such as VMFXX (≈ 4.9 % yield). Same daily liquidity, almost zero interest-rate risk—100× the income, about $980 a year, compounding while you sleep. Not financial or tax advice. | Nicholas Crown
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