safth savings. what is the best way to invest this excess cash that will earn more than a money market, but not significantly risk the principle. i don't know if anyone says they have extra cash, gary. >> it's a beautiful place to be. it's the classic dilemma we have in the current market where money markets are paying close to nothing. look, one alternative, but you've got to do some searching, is look around for various banks that might be offering, get this, a higher multi-year cd that you can break. you can break into for a reasonable penalty. for instance, alley bank, i might tap into it. if you tap into it early, you'll find the interest rate rather than being a 10th of a percent might after the penalty still be 2, 2.5%. so you've got to be creative in the market. obviously if he has credit card debt, would that be an awesome choice to turn 1/10 of 1% into