High-Yield Savings vs. T-Bills: Where Should Your Cash Live?
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
4.4 • 1.5K Ratings
🗓️ 21 November 2025
⏱️ 46 minutes
🧾️ Download transcript
Summary
We compare high-yield savings accounts and Treasury bills, breaking down liquidity, safety, and after-tax returns so you can choose the best parking spot for your short-term cash.
Today's Stocks & Topics: California Resources Corporation (CRC), DoorDash, Inc. (DASH), Market Wrap, Grupo Cibest S.A. (CIB), “High-Yield Savings vs. T-Bills: Where Should Your Cash Live?”, Humana Inc. (HUM), Converting a Traditional I-R-A to a Roth I-R-A, Jobs Report, BrightSpring Health Services, Inc. (BTSG), Carnival Corporation & plc (CCL), Eastman Chemical Company (EMN), Corporate Bonds.
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Transcript
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| 0:00.0 | On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk. Incependent Thinking, shared success. |
| 0:17.8 | InvestTalk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States. |
| 0:27.1 | Here is KPP Financial Portfolio Manager, Luke Guerrero. |
| 0:33.5 | Good afternoon, fellow investors, and welcome back to Invest Talk. |
| 0:39.8 | I'm your host, Luke Guerrero, and today is Thursday, November 20th, 2025. |
| 0:47.4 | Now, for those you that can count, which I'm sure is, everybody listening to this show, |
| 0:53.7 | it is not lost on you that Thanksgiving is right around the corner. It is not lost on you that Thanksgiving is right around the corner. |
| 0:58.2 | It is now exactly one week away. |
| 1:03.3 | But as you've seen, the market ain't slowing down. |
| 1:06.7 | Because the market doesn't slow down, neither can we. And so we here at InvestTalk will be here |
| 1:12.9 | as we always are each and every day with one goal, one objective, one mission for this podcast, |
| 1:21.1 | and that is to help make you a better and more informed investor. Now, in order to do that, |
| 1:30.0 | we bring a mixture of educational items to the table, actionable material to the table. But the most important part of this show |
| 1:35.8 | are the finance and investment questions that you supply in order to help guide this |
| 1:40.8 | conversation. We can't possibly know what is on your mind without your input. |
| 1:47.1 | Now, usually in the show I'll mention how in a little bit we'll go down today's, |
| 1:50.7 | go over today's market performance and all of these topics. And then we roll to a question |
| 1:54.9 | submitted via voicemail earlier in the day. But we're not going to do that today because we have our first live call, |
| 2:02.8 | James from Sonoma. You got a question about CRC. Do you own it? Are you looking to buy it? |
| 2:07.8 | Well, I'm just looking at it. I'm looking to buy it. It's a very small company. It's lucky 4 billion. |
| 2:12.9 | I read a couple articles about this and the idea seems to be they're going to have a little |
| 2:17.5 | more freedom there in carbon capture, and the regulations in California, I guess, are going |
... |
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