Conversation
Would guess most people need the money in the bank because they are barely treading water and if they need a car repair or fix a furnace they need cash immediately. They can’t afford to put money to the side to invest. Sadly to many live this way.
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Some have zero risk tolerance. While one man could do a cash out refinance on his house at these historic prices, invest all that cash and make a killing, another man could try it and go bankrupt in a flash


