Money market pays 4.5%. If you’re getting less money on your Sweep account, it’s time to ‘Cash Up’.

“Schwab cash solutions fall into two categories,” the company website says. They certainly do. Here are some questions that can help determine which is right for you: Do you like money? Do you like the good things better than the unsatisfactory things?

If you had to choose between, say, an apple pie and were hit from head to toe by a puddle of water on the side of the road, would you be the one to choose the pie?