I would encourage everyone as a business owner to have a cash balance plan for yourself. That means tax deferring any income that you have for your own implications is a big deal. Number one investment I've ever made is my own business. Nothing's getting you a hundred percent return like your business is often. A ladder strategy is say I had a hundred thousand dollars of excess cash, which maybe some people in this COVID situation do. Instead of putting it as an bank account, can I invest tranches or pieces of it that will become available again in a period of time? Classic ladder strategy with CDs - every 10 months put ten thousands into a CD that expires one year from now and