When you earn well above the UK’s top 5%, deciding how much cash to keep on hand can feel tricky. You want to be prepared for unexpected expenses without letting your money sit idle, missing out on growth. For high earners, especially those often called HENRYs (High Earners, Not Rich Yet), balancing cash reserves for emergencies and market chances is key. In this post, I’ll share practical advice on how much cash should HENRYs have, where to keep it, and how to make the most