I wasn't addressing you personally. As far the million dollar check goes ... I was making a point. Point being a couple million dollars is not a lot of money at all. I hear what you're saying about 70/20/10. I'm more in the 80/20 camp but the 70/20/10 refers to people not businesses. It's not the same. The way I see the minimum is from my point of view being a business person my whole life but I know it holds true across the board. In my businesses I keep in my accounts what is necessary for operating expenses plus a little slush. The excess is put to use. It is invested, re-invested and allocated in ways that it will increase. Money that is not actively making money is losing money. Tying up funds for the sake there of and not trying not make them grow is a disservice and neglectful to the company and those who depend on it. There is not a successful company in the world that just sits on cash reserves to impress anyone including it's shareholders. When you are asked for a security deposit for an apartment do you give more to prove you are a better tenant? When a person receives a home owner insurance quote does he or she offer more in an attempt to prove they are a more responsible home owner than the person next door? I could use a 100 more examples. When the issue is business related one must think as a business person. When the issue is of a personal nature one must think like a compassionate person. Mixing the two will always lead to misunderstandings and strife.