23. $20,000 in Cash and No Idea What to Do? Here’s Exactly What I’d Do

You’ve done everything right. You make good money. You’ve saved well.

So why is that growing pile of cash making you feel low-key anxious?

You know it should be doing something. You just don’t want to screw it up.

In this episode, you’ll hear:

• Why “playing it safe” with cash might actually be costing you more
• The tiny move that builds investing confidence fast (without needing a finance degree)
• The decision tree I use to decide where the money should go
• How to stop spiraling over timing, headlines, and “what if I mess this up?”
• The mindset shift that turns you from frozen saver → calm, long-term investor
• Exactly what I'd invest it in and how to decide if that's right for you too

Press play, and let’s get your money working like the boss you are. 💸✨

And if you’re ready to stop overthinking and actually move:

We’ll walk through your numbers, options, and fears — and create a clear, grounded plan that makes you feel powerful instead of overwhelmed so you can get invested.

Check out 1:1 coaching at buildwealthwithkatie.com/coaching.

My Favorite High-Yield Savings Account: (Click here to earn 4%)

(Rate as of: Feb.2026)