We try to make our cash work as hard as possible... so we try to invest our cash straight away into "assets" eg: Real Estate, Share Market and Silver Bullion which you can hold in your hand... This is what you call "pay your self first". ATM we are selling down in the share Market & buying into Silver Bullion. So we hold as little as possible cash at hand. If we need cash we sell our stocks in the share market. So at the moment cash only comes from our work income & when we sell an asset.