"I know I shouldn't have so much just sitting in cash," my client says as we're looking at her checking account, and then she laughs a little bit to lighten the conversation. "I should do something with it, I know, but I just like having it there. I like to see it and know it's right there." We're not looking at $5,000 or $25,000 of cash either. We're talking $100,000, $300,000, even $1,000,000 or more of cash on the sidelines that I've worked through with my own clients.