A preview, no account needed
See what Cairn would notice.
Your money, out of the dark. Cairn watches quietly and speaks only when something's worth your attention — a projection, a gap, cash sitting idle. Pick the situation closest to yours and see the read.
A healthy balance, most of it parked in checking earning nothing.
Cairn · the read
What stands out
Worth a decision
Yield gap~$720/yr left on the table
$18,000 is sitting idle beyond a 3-month cushion. A comparable safe yield right now is about 4% (high-yield savings).
3-mo cushion · $12,000idle · $18,000
Why you’re seeing this
Of $30,000 in spending cash, a 3-month cushion ($4,000/mo × 3 = $12,000) sits aside for near-term spending, leaving $18,000 idle. Measured against a 4% safe yield (high-yield savings), that idle cash maps to about $720/yr — $180/qtr · $60/mo. A comparison, not a recommendation.
Sample figures, not advice. Cairn shows you the shape of things; the choices stay yours.