I don&#x27;t know about the poster but my investment account gives me access to it as &quot;cash&quot; if I chose to exercise that option, the brokerage essentially loans me the money and briefly and then sells some of the stocks in a pre-arranged priority to cover that cost. The &quot;real&quot; life implementation of this is that my kid&#x27;s college tuition is auto-deducted from that account, so if the cash on hand balance got to 0 it would liquidate money markets, and then long term stock holdings, to cover the draft.<p>That said, I personally have tried to balance dividend (income) paying stocks and short term bonds (6months to 1 year) which feeds into the cash balance, so that covers some of it.