if I come to you and say um I have $100,000 I don’t know what to do with it uh what would you recommend I do with $100,000 that’s suppose I’m a middle- class person I’ve saved up some money I’ve got $100,000 I don’t want to lose it but I like to get more than a treasury bill rate of return what should I do with my 100,000 my answer would depend on when you want to retire do you have any major expenditures you’re going to put kids through school because if you need it sooner rather than later equities can be volatile and and cash now pays five plus percent in the US that might be a place to put whatever you need in the next next two years