Interest rates are up, and high-yield savings accounts are back— so why is so much of your cash still under-earning? In this episode of WSJ’s Take On the Week, hosts Telis Demos and Miriam Gottfried explore why it’s time to rethink where your money sits and treat cash as a true asset class. But first, Telis and Miriam explore how high interest rates are impacting the economy, from commercial real estate to private equity. Plus, they preview upcoming earnings from big banks, including JPMorgan Chase, Goldman Sachs, Morgan Stanley, and more. Then, MaxMyInterest founder Gary Zimmerman joins the show to share practical ways to unlock higher savings yields. Zimmerman shares his perspective on how to think about where you put your cash in this high-rate environment. Plus: will AI change the banking landscape and how we manage our deposits? Chapters: 00:25 – Why Cash Matters in a High-Rate World 02:45 – How Should You Invest in Bonds? 04:13 – How Higher Rates Impact Commercial Real Estate 05:20 – Mortgages, Housing and Private Equity 08:14 – Bank Earnings Week and Rising Cash Yields 11:28 – Interview Begins: Gary Zimmerman of MaxMyInterest 14:03 – Why People Hold So Much Cash? 16:46 – FDIC Insurance Limits Explained 18:11 – Why Bank Rates Differ So Much 20:51 – Can Smaller Savers Maximize Yield Too? 24:04 – Automation, AI and The Inertia Problem 30:54 – Could AI Agents Cause a Bank Run? 33:31 – Advice For Everyday Savers This is WSJ’s Take On the Week where co-hosts Telis Demos, writer for WSJ’s Heard on the Street, and Miriam Gottfried, WSJ’s investing and wealth management reporter, cut through the noise and dive into markets, the economy and finance—the big trades, key players and business news ahead. Have an idea for a future guest or episode? How can we better help you take on the week? We’d love to hear from you. Email the show at takeontheweek@wsj.com. 🎧 Prefer just the audio version? Subscribe and listen on Apple Podcasts, Spotify, Amazon Music, or wherever you get your podcasts: https://on.wsj.com/3LBGo5Q?mod=WSJ_TOTWPOD #WSJ #CASH #INTERESTRATES