There&#x27;s something to be said for having cash available - here and there, opportunities pop up for me that I can take advantage of. For example, recently I lent money at very high interest, short-term. If I suddenly get interested in prototyping electronics I won&#x27;t even hesitate to buy an Arduino, sensors, and a few books. Little bits of cash is useful to &quot;try things out.&quot;<p>Plus there&#x27;s the &quot;better sleep at night&quot; factor.<p>People with little to no cash won&#x27;t likely consider these things. Having that cash won&#x27;t likely give you any good return, but there&#x27;s the &quot;freeing up your mind&quot;, &quot;capitalizing on opportunities&quot;, and &quot;sleeping better&quot; things to consider.