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A 45-year-old single mother who spent years building a six-figure cash cushion is questioning whether she should follow a financial advisor\u2019s recommendation<\/a> to invest most of it.<\/p>\n Posting on Reddit\u2019s r\/personalfinance<\/a> recently, the woman said she has accumulated about $100,000 in cash savings and another $300,000 spread across various 401(k) accounts. She earns roughly $200,000 a year, including bonuses, but admits she has always been cautious with money.<\/p>\n \u201cThe value of a dollar is declining, but the thought of most of my money being dependent on the stock market\/annuities is scary,\u201d she wrote.<\/p>\n Don’t Miss:<\/p>\n A Risk-Averse Saver Faces A Dilemma <\/p>\n The woman explained that she recently met with a financial advisor for the first time. The advisor suggested keeping just $10,000 as an emergency fund and investing the remaining $90,000 through a brokerage account.<\/p>\n Many in the thread agreed that holding too much cash can come with an opportunity cost, but they felt the advisor\u2019s recommendation didn\u2019t adequately account for her circumstances as a single parent.<\/p>\n The most common advice was to base an emergency fund on monthly expenses<\/a> instead of choosing an arbitrary dollar amount.<\/p>\n \u201cRisk-averse would generally mean 6 months of expenses in a [high-yield savings account], work out whatever that is, keep that, put the rest into investments,\u201d one commenter wrote. Another added that workers in less stable industries may want nine to 12 months of expenses set aside.<\/p>\n Trending: What If Your Investment Income Didn’t Rely Entirely on Market Swings? Some Investors Are Taking a Different Approach<\/a><\/p>\n The original poster added that she works in operational risk management within the financial services industry and believes available opportunities have become harder to find.<\/p>\n \u201cThe available positions have definitely started to dry up over the last few years,\u201d she said.<\/p>\n Although she feels secure in her current role, she still has concerns about the future.<\/p>\n \u201cMy current role seems to be pretty stable. I\u2019m confident that I will be fine for near future but with AI you never know.\u201d<\/p>\n She later clarified that her cash savings are not sitting idle in a checking account. Instead, the money is already held in HYSA and certificates of deposit.<\/p>\n See Also: Everyone’s watching EV stocks \u2014 fewer are paying attention to the lithium powering them<\/a><\/p>\n Why Getting Expert Advice Can Help <\/p>\n The conversation also showed why it can be helpful to talk to a financial professional, <\/a>especially when you\u2019re deciding what to do with a large amount of money.<\/p>\n For a lot of people, talking with a financial advisor can make things easier<\/a> to understand and help them come up with a plan that fits their goals, comfort level with risk and overall financial situation.<\/p>\n While few people argued that keeping the entire $100,000 in cash forever was the best strategy, there were also commenters who felt the advisor\u2019s recommendation was reasonable given the current strength of the stock market.<\/p>\n Some pointed out that with a $200,000 income, substantial retirement savings and cash already parked in high-yield accounts and CDs, investing a large portion of the money could help her keep pace with inflation and build long-term wealth.<\/p>\n Read Next: Explore Jeff Bezos-backed Arrived Homes and see how investors are earning passive rental income \u2014 now with a limited-time 1% bonus match for new investors.<\/a><\/p>\n Building Wealth Across More Than Just the Market <\/p>\n Building a resilient portfolio means thinking beyond a single asset or market trend. Economic cycles shift, sectors rise and fall, and no one investment performs well in every environment. That’s why many investors look to diversify with platforms that provide access to real estate, fixed-income opportunities, professional financial guidance, precious metals, and even self-directed retirement accounts. By spreading exposure across multiple asset classes, it becomes easier to manage risk, capture steady returns, and create long-term wealth that isn’t tied to the fortunes of just one company or industry.<\/p>\n Rad AI<\/p>\n RAD Intel is an AI-driven marketing platform helping brands improve campaign performance by turning complex data into actionable insights for content, influencer strategy, and ROI optimization.<\/a> Positioned within the multi-hundred-billion-dollar digital marketing industry, the company works with global brands across sectors to improve targeting precision and creative performance using its analytics and AI tools. With strong revenue growth, expanding enterprise contracts, and a Nasdaq ticker reserved under $RADI, RAD Intel is opening access to its Regulation A+ offering, giving investors exposure to the growing intersection of AI, marketing, and creator economy infrastructure.<\/p>\n Immersed<\/p>\n Immersed is a spatial computing company building immersive productivity software that enables users to work across multiple virtual screens inside VR and mixed-reality environments.<\/a> Its platform is used by remote workers and enterprises to create virtual workspaces that reduce reliance on traditional physical hardware while improving focus and collaboration. The company is also developing its own lightweight VR headset and AI productivity tools, positioning itself in the future-of-work and spatial computing space. Through its pre-IPO offering, Immersed is opening access to early-stage investors looking to diversify beyond traditional assets and gain exposure to emerging technologies shaping how people work.<\/p>\n Connect Invest<\/p>\n Connect Invest is a real estate investment platform that allows investors to access short-term, fixed-income opportunities backed by a diversified portfolio of residential and commercial real estate loans.<\/a> Through its Short Notes structure, investors can choose defined terms (6, 12, or 24 months) and earn monthly interest payments while gaining exposure to real estate as an asset class. For investors focused on diversification, Connect Invest may serve as one component within a broader portfolio that also includes traditional equities, fixed income, and other alternative assets\u2014helping balance exposure across different risk and return profiles.<\/p>\n rHealth<\/p>\n rHealth is building a space-tested diagnostics platform designed to bring lab-quality blood testing closer to patients in minutes rather than weeks<\/a>. Originally validated in collaboration with NASA for use aboard the International Space Station, the technology is now being adapted for at-home and point-of-care settings to address widespread delays in diagnostic access.<\/p>\n Backed by institutions including NASA and the NIH, rHealth is targeting the large global diagnostics market with a multi-test platform and a model built around devices, consumables, and software. With FDA registration in progress, the company is positioning itself as a potential shift toward faster, more decentralized healthcare testing.<\/p>\n Arrived<\/p>\n Backed by Jeff Bezos, Arrived Homes makes real estate investing accessible with a low barrier to entry. Investors can buy fractional shares of single-family rentals and vacation homes starting with as little as $100<\/a>. This allows everyday investors to diversify into real estate, collect rental income, and build long-term wealth without needing to manage properties directly.<\/p>\n Masterworks<\/p>\n Masterworks enables investors to diversify into blue-chip art, an alternative asset class with historically low correlation to stocks and bonds<\/a>. Through fractional ownership of museum-quality works by artists like Banksy, Basquiat, and Picasso, investors gain access without the high costs or complexities of owning art outright. With hundreds of offerings and strong historical exits on select works, Masterworks adds a scarce, globally traded asset to portfolios seeking long-term diversification.<\/p>\n Lightstone<\/p>\n Lightstone DIRECT gives accredited investors access to institutional-quality multifamily real estate opportunities backed by a vertically integrated operator with more than $12 billion in assets under management and a 40-year track record.<\/a> With more than 25,000 multifamily units nationwide \u2014 including significant exposure to low-supply Midwest markets where rent growth has remained resilient \u2014 Lightstone is positioning investors to benefit from tightening housing supply, strong occupancy trends, and long-term rental demand. Through Lightstone DIRECT, individuals can co-invest alongside the firm, which commits at least 20% to each deal, offering exposure to professionally managed multifamily assets designed to generate durable income and long-term appreciation beyond the traditional stock market.<\/p>\n AdviserMatch<\/p>\n AdviserMatch is a free online tool that helps individuals connect with financial advisors based on their goals, financial situation, and investment needs<\/a>. Instead of spending hours researching advisors on your own, the platform asks a few quick questions and matches you with professionals who can assist with areas like retirement planning, investment strategy, and overall financial guidance. Consultations are no-obligation, and services vary by advisor, giving investors a chance to explore whether professional advice could help improve their long-term financial plan.<\/p>\n Accredited Debt Relief<\/p>\n Accredited Debt Relief is a debt consolidation company focused on helping consumers reduce and manage unsecured debt through structured programs and personalized solutions<\/a>. Having supported more than 1 million clients and helped resolve over $3 billion in debt, the company operates within the growing consumer debt relief industry, where demand continues to rise alongside record household debt levels. Its process includes a quick qualification survey, personalized program matching, and ongoing support, with eligible clients potentially reducing monthly payments by 40% or more. With industry recognition, an A+ BBB rating, and multiple customer service awards, Accredited Debt Relief positions itself as a data-driven, client-focused option for individuals seeking a more manageable path toward becoming debt-free.<\/p>\n Image: Shutterstock<\/p>\n This article She Saved $100K And Met With A Financial Advisor Who Told Her To Invest $90K Of It. Will She Listen? ‘The Value Of A Dollar Is Declining, But\u2026’<\/a> originally appeared on Benzinga.com<\/a><\/p>\n \u00a9 2026 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.<\/p>\n","protected":false},"excerpt":{"rendered":"Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. 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