The ‘Cash on Hand’ Dilemma: How Much Is Too Much?
Trent Hamm
The idea of having “cash under the mattress” has a lot of appeal to many people. After all, cash is king and having some cash around in a quick pinch can solve a lot of problems.
An older friend of mine used to have a coffee can full of cash that he kept hidden away somewhere in his house. I’m not sure where he kept it, but I saw it produced a time or two and I couldn’t help but notice that it contained a large quantity of cash. He used it to take advantage of opportunities and to take care of things in emergencies.
A professor at the college I attended kept a false bookend in his office. It had a removable bottom and he kept about $1,500 in cash in there in $100 bills – I kid you not. He trusted me enough once to dig into it right in front of me and give me some cash to help me out in a desperate moment, an act that I still appreciate to this day because of the unquestioning generosity behind it. (I was almost completely broke and couldn’t afford the book for his class; I showed up to his first two office hours and he produced a $100 bill for me to buy the class textbook with. That’s just extraordinary generosity.)
Simply having a pool of cash around to tap into at a moment’s notice when a great opportunity appears or when disaster strikes is very worthwhile. Cash is king, after all – it solves problems.
Still, it’s hard to ignore the downside of a practice like this. Cash is untraceable, and once it’s gone, it’s gone. If you lose that cash, it’s gone. If someone steals it from you, it’s gone. If your home or apartment or car is broken into and the cash is taken, it’s gone. If your home or apartment or car burns to the ground, the money is gone.
So, there’s some risk and reward when it comes to holding onto cash. The risk is that risk of losing the money and, theoretically, the small amount of financial gain that might come from investing it elsewhere. The reward is the flexibility and opportunity that comes from having cash on hand at a moment’s notice.
Where’s the tipping point between those factors?
For me, the tipping point is enough cash to make sure my family is fine for three days during a complete natural disaster. I want enough cash to ensure that I can get my family at least 100 miles from home, feed them for three days, and house them for three days and nights. I might tap that cash for other purposes in the heat of the moment, but I replenish back up to that point.
I decided that I wanted to have enough cash available to simply handle this kind of major emergency with no questions asked. I simply produce the cash and we’re on our way.
To continue reading, please go to the original article here:
https://www.thesimpledollar.com/financial-wellness/the-cash-on-hand-dilemma-how-much-is-too-much/
Bix Weir - The Golden Age Was Planned A Long Time Ago, Hidden Gold Will Be Used For The New System
X22 Spotlight Report: 11-13-2026
The economic transition unfolding globally is depicted as a battle between the failing old guard of central banks and a rising new system championed by figures like Trump, who is implementing tariffs, exposing fraud, and targeting the Federal Reserve for dismantlement.
The exposure and collapse of the Great Reset agenda—characterized by scams like the green new deal that have devastated economies such as Germany's with soaring energy costs and remote control over infrastructure—contrasted with the Great Awakening, where unity, accountability, and reversals like domestic oil discoveries and deportation policies lower costs and reclaim national sovereignty.
Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
Web3.0 ISO20022: The Quantum Privacy Layer has been (allegedly) Activated
THE QUANTUM PRIVACY LAYER HAS BEEN ACTIVATED
A quantum infrastructure coordination office sent an internal activation confirmation through the encrypted channel at 13:07 EST.
It said: “Quantum privacy layer active. ISO 20022 integration complete. Starlink nodes synchronized. Project Odin online.”
US Investigates FAA Outage, No Attack Signs Yet
2026-11-13 / 14:54 Shafaq News- Washington US Homeland Security Secretary Markwayne Mullin said on Friday that authorities had found no signs of a deliberate attack behind the communications outage that halted flight departures nationwide.
Speaking at the White House, Mullin explained that some air traffic control communications remained operational, but the outage had placed additional pressure on other parts of the network. He also dismissed a possible connection to an earlier Microsoft services outage, treating the two incidents as separate problems.
Good Morning Dinar Recaps,
GLOBAL PAYMENT RESET WATCH: THREE CENTRAL BANKS DEMONSTRATE CROSS-BORDER CURRENCY SETTLEMENT ACROSS DIFFERENT SYSTEMS
The United Kingdom, Singapore and Thailand have successfully demonstrated how different financial systems can work together to settle international currency transactions more safely and efficiently.
Friday Night Video
FRANK26…..11-13-26…..THE GAP / THE APP
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Why Gold Is Falling While Central Banks Keep Buying | World Gold Council’s Joe Cavatoni
Kitco News: 11-13-2026
Gold fell as much as $135 an ounce on Nov. 12 to a new low for the year, even as central banks keep buying.
The World Gold Council estimates central banks bought 321 tons last quarter, but only 120 tons was reported, leaving 63% undisclosed.
Joe Cavatoni, the council's senior market strategist for the Americas, said the most active buyers "are either not reporting or reporting late," and that central banks tend to step in when prices dip. He said gold "overshot" in January and that the pullback is closer to what the council expected.
Rob Cunningham: XRP, the Global RV, and the Architecture of Sovereign Money
11-13-2026
XRP, the Global RV, and the Architecture of Sovereign Money
If the objective is a globally decentralized monetary system built on honest weights and measures, national sovereignty, transparent accounting, and voluntary exchange, then the critical question becomes:
“How can sovereign nations exchange enormous amounts of value, across different currencies and financial systems, without surrendering monetary sovereignty to a centralized intermediary?”
Bruce’s Big Call Dinar Intel Thursday Night 11-12-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome, everybody, to the big call tonight. One hour earlier than normal. I hope everybody got the memo. If not, you're listening to the recording, and it really doesn't matter, does it? So, welcome everybody tonight. We're doing the call an hour early tonight because of President Trump's speech at 9o'clock Eastern tonight, and I wanted to complete the call in one hour so that everybody would have an opportunity to see his speech tonight.
Good Afternoon Dinar Recaps,
GLOBAL BANKING RESET WATCH: HONG KONG ADVANCES 24/7 TOKENIZED SETTLEMENT AS DIGITAL FINANCE MOVES TOWARD COMMERCIALIZATION
Hong Kong is moving digital finance closer to everyday commercial use as banks and regulators advance round-the-clock settlement of tokenized deposits and financial assets.
MilitiaMan & Crew: The Digital vs Physical Control Shift You Need to See
11-13-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
Iraqi Dinar news update for November 12. We are analyzing the latest administrative documentation regarding digital and physical controls.
This update focuses on the ongoing shift toward formal channels as we review the specific papers detailing recent fiscal policy adjustments. By examining these documents, we can better understand how the central bank is managing the technical side of banking operations and the broader adjustments being made to improve operational efficiency within the financial system.
Web3.0 ISO20022: US Systems are Showing Real-time Strain
U.S. SYSTEMS ARE SHOWING REAL-TIME STRAIN
What people are experiencing right now is no longer isolated.
Across the United States, users are reporting:
• Delayed bank transfers and pending transactions lasting longer than normal
• Major carriers experiencing temporary signal instability in key cities
• Stock market volatility spikes without clear explanation
• Payment processors flagging and re-routing transactions
KTFA:
Clare: A report analyzes the dollar crisis: 14 reasons driving the rise of the parallel market rate and widening the price gap in Iraq.
11/12/2026
The head of the “Iraq Future” Foundation for Economic Studies and Consultations, economist Manar Al-Obaidi, identified on Thursday a set of main reasons that drive the increased demand for the dollar in the parallel market, and the pressure to widen the gap between the official and unofficial prices in Iraq.
Reset Intelligence: What Are They Getting Us Ready For?
By Reset Intelligence | @EXIT_FIAT
On Thursday, Microsoft's work email and apps went down across regions, and late into the night it still could not say why. Amazon and Google said their own systems were running normally.
It is the latest break in a month of them. Japan's largest carrier, NTT Docomo, lost phone service twice, and schools across Italy, Ireland, Scotland and Northern Ireland got the same emailed bomb threat.
US Dollar Rises In Baghdad And Erbil
2026-11-12 09:11 Shafaq News- Baghdad/ Erbil The US dollar closed Thursday’s trading higher in Baghdad and Erbil, hovering around 169,200 dinars per 100 dollars.
According to a Shafaq News market survey, the dollar traded in Baghdad’s Al-Kifah and Al-Harithiya exchanges at 169,250 dinars per 100 dollars, up from the morning session’s 169,150 dinars.
TNT:
Tishwash: Washington accuses Tehran of using militias to plunder Iraq's wealth.
The US State Department accused Iran of using Iraqi armed factions, primarily Kataib Hezbollah, to plunder the wealth of the Iraqi people, weaken the economy, and undermine the country's sovereignty, stressing that it will continue to target the financing networks of these groups .
A spokesperson for the US State Department told Sky News, as reported by Al-Sa’a Network, that “these factions use the proceeds of corruption to serve their own agendas and Tehran’s regional agenda.”