Your money may feel safe – but it could be quietly working against you. In this episode of the Retirement Salsa Podcast, Mike DiSalvo takes on “lazy money,” the cash sitting in low‑yield accounts that loses purchasing power to inflation. The conversation explores why holding extra cash can feel comforting, how market and interest‑rate shifts have changed the rules, and where overlooked opportunity costs often hide – even inside managed portfolios. Mike also discusses balancing liquidity with productivity, the psychology behind “safe” money, and why revisiting old assumptions matters as retirement approaches.

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