In most cases this is all people need to do basic investing with reasonable return.
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## Holding cash
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Banks are going to give you complete shit return for holding your cash. HYSA give you better return, but sometimes suffer from bad checking account features. For example, Wealthfront has very bad check-writing abilities.
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Most brokerages are also not going to give you much for your cash. Excess cash in your brokerage should be put into a money market fund. For example, at Schwab you can [SWVXX](https://www.schwabassetmanagement.com/products/swvxx). The key point is many brokerages won't sweep to this for you, so it requires you to do trades. Fidelity has better auto-sweep services. You can find good money market fund at [Yieldfinder](https://yieldfinder.app/money_markets).
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This brings me to the next point.
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## Efficient use of capital
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One of the most important things I've come to realize is that you have to make efficient use of your capital. Tom Sosnoff has some good videos on this like [this one](https://www.youtube.com/watch?v=VZ-jetr4Mww) and [this one](https://youtu.be/wY7EKujslFg?si=MQeU3-Q90YsCCv5c).
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## Using leverage
Adding leverage increases your risk, but increased risk is one way to possibly gain better returns. There are many ways to gain leverage, from using loans, to options, to futures. I'll explain how to use all of these methods.