Strenuous market environments often shine a light on one of the more challenging aspects of personal finance, cash management. How much cash is too much? How much is not enough? If you have excess cash, where should it go? If the answer is financial markets, when is the right time to do that? These questions are universal whether you are at the start of your career and just beginning your accumulation plan or a seasoned saver near the end of your career, and everyone in between. Let’s review these in sequence.