I know you guys are fed up with your emergency reserves earning bupkis, but does that mean you should consider placing the money in something riskier?

Have a money question? Email us, ask jill [at] jill on money dot com.

Please leave us a rating or review in Apple Podcasts.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

What would cause somebody to be sitting on what you might think is too much cash? More times than not, it has to do with a traumatic experience.

Have a money question? Email us, ask jill [at] jill on money dot com.

Please leave us a rating or review in Apple Podcasts.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.