Emergency Fund Strategy: How To Position

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Hey there, and welcome to Faith in Finance, where

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your values and your financial vision come together.

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I'm your host, Geil Thompson, Register Rep for

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Joseph Eden Capital, a sister firm of Joseph

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Wealth Management. Every week, I'll be walking

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with you through the tools, truths, and strategies

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that help you build wealth with purpose, clarity,

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and peace. Because your money isn't just about

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what you have, it's about what you're building.

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Let's get started. Each week, we'll break down

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how capital moves, how markets shift, and how

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you can position your resources with wisdom and

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strategy to build ownership, grow wealth, and

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establish lasting legacy. Today, we're going

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to talk about something almost every person thinks

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they truly understand, cash. Yeah, you heard

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me right, cash. Most people were taught that

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if you want safety, you sit on cash. You save

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money in a checking account, maybe in a savings

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account, maybe a CD. But here's the uncomfortable

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truth. Cash sitting idle is not wealth, nor is

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it wealth building. It's actually unproductive

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capital. In fact, in today's global economy,

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sitting cash or cash sitting idle is shrinking

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every year. Because of one force that we oftentimes

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forget and I teach my clients about this all

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the time that word inflation Never forget it

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Inflation quietly reduces or I'll say erode your

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purchasing power the dollar you save today buys

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less tomorrow because of inflation if Your emergency

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fund is only sitting in a basic savings account

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earning less than 1 % but inflation is running

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at three and four percent or even higher, you're

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losing value every single day. And this is where

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the wealthy think differently. The wealthy don't

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simply save cash, they actually position it.

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They ask, is if my capital is sitting, how can

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I make sure it's still working safely for me?

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See, cash has a purpose. They use it for what

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we call liquidity. You want it available for

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emergencies, for flexibility, for unexpected

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opportunities, and even opportunities to invest.

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But having liquidity doesn't mean you surrender

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growth. It still has to make money while you're

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sleeping. Remember, we talked about this. We

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live in a globalized economy. And what do I mean

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by that? Well, What happens is, is that whatever

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happens in one corner of the world, it can directly

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impact interest rates, currency values, commodity

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prices, and even your savings account instantly.

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Wars, pandemics, trade agreements, banking crises,

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and even the tariffs, right? All of it affects

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how capital moves. The reason most people get

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caught flat -footed is because they don't understand

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even so -called safe money, okay? The wealthy

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position cash in vehicles that acknowledge this

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reality. At Joseph Wealth Management, one of

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the tools we use and what we call is the Joseph

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Storehouse Treasury Program. It's built on a

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simple but powerful principle. If my cash needs

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to sit, let it sit inside something that's working

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for me. And what do we use? We use treasuries.

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U .S. government -backed bonds that offer the

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safety of a guaranteed repayment so you get your

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money and your principal back, but you also get

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a yield that far exceeds traditional savings

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accounts and what banks are giving out in checking

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accounts. Right now, you can get a treasury that's

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paying anywhere between four to five percent,

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depending on the economic environment. And remember,

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these prices don't always stay the same, so it's

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best to contact an advisor so that you can lock

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in the best rate. But when you compare this to

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your local bank savings account, where you're

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earning less than 1 % for the same liquidity,

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but you can get a higher yield with a fully -backed

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U .S. government bond, listen, I would say the

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choice is simple. Don't necessarily leave your

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money sitting in a savings account or checking

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account where it's not benefiting you. We've

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already discussed what happens. The bank will

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lend your money out. They'll make money on it,

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but then they'll still only come back and pay

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you the 0 .5 or 1%. But this, what we're talking

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about is called position liquidity. It's not

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risk -free. but it's significantly safer than

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many other options and it acknowledges that cash

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should still serve a role in your wealth building

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process. See listen, most people confuse feeling

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safe with being strategic. Having cash in a savings

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account feels safe because it's familiar, and

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I get it, I was there. But ask yourself, what's

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actually happening with my cash while it's sitting

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there? What are banks doing with my money? So

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this is what I want to do. I want to break this

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down for a moment so that you can really understand

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the deposit process. So the moment you deposit

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your money into the bank, it doesn't just sit

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there. The bank immediately puts the money to

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work before themselves, not for you. A bank will

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loan your deposits out as mortgages, business

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loans, credit card lending, and other interest

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generating activities. They lend it at higher

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rates and pay you back a fraction from what they

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make off your money. So example, if you deposited

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$10 ,000 today, the bank might lend out 9 ,000

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of it, of which they'll go ahead and use that

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$9 ,000 and generate probably six to 8 % in interest.

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Meanwhile, they'll pay you back less than 1%,

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interest to hold your money. The bank makes money

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by using your money to generate returns. In short,

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you're the one doing the saving and they're the

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one doing all the multiply. That's why wealth

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builders say you be the bank. Don't just fund

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the bank. Now let's take that same example but

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this time you're not going to give the bank control.

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You're going to position your money intentionally.

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So, you take the same $10 ,000 that you set aside

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for safety and liquidity. Instead of letting

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the bank loan it out and pay you only less than

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1%, you place it in something like a storehouse

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vehicle, or in this instance, the Joseph Storehouse

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Treasury program that we offer. Your money is

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now invested into these U .S. Treasuries. Guess

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what? They're fully backed by the full faith

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and credit of the U .S. government. Your principal

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is secure and safe. Your funds remain liquid

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and accessible for when you need them, but instead

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of earning less than 1%, you now have the opportunity

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to generate 4 to 5%, depending on current rates.

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In other words, you're protecting your cash.

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You're still fully liquid for emergencies, but

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you're no longer funding the bank's profits.

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You're keeping the yields for yourself. That's

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the power of position liquidity, where your cash

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still serves its protective purpose, but also

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works intelligently on your behalf. This is how

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capital allocators think. So here's a simple

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way to think about your financial positioning.

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You want liquidity, but you want position liquidity.

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You want safety, but you don't want stagnation.

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You want access, but without surrendering the

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grow. This is the discipline, the wealthy practice

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with every dollar they manage. They never park

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their money. They position it. Your emergency

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fund is not separate from your wealth strategy.

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Let me teach you something. It's actually the

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foundation. If you mismanage this layer, you

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start every wealth building plan on unstable

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ground. When you structure your emergency fund

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correctly, Fully liquid, fully earning, fully

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secure, you create confidence to take larger,

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smarter wealth building moves later. Now the

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question is simple. Are you just saving cash

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or are you positioning capital? And if you're

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ready to take your emergency fund strategy to

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a level that aligns with how serious wealth is

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built, I invite you to connect with us directly

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at josephwealthmanagement .com. Listen, schedule

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a private consultation. Whether you're starting

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fresh or restructuring your full capital strategy,

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every dollar needs a job and every dollar deserves

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purpose. Let's build your strategy together and

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we look forward to hearing from you soon. Before

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we wrap up today, I want to offer you something

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from a faith perspective that speaks directly

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to the importance of how we position our resources.

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In the book of Genesis, Pharaoh had a dream,

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seven years of abundance followed by seven years

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of famine. Joseph, guided by God, interprets

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the dream and then does something crucial. He

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builds a financial strategy. Joseph doesn't just

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prepare Egypt emotionally. He prepares them practically.

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He creates a system called the storehouse system,

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setting aside portions of their money during

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the years of plenty, not just to save it, but

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to position it for the years to come. They stored

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grain, they stored corn, and it wasn't just sitting,

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it was ready, it was protected, and it was purpose.

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And when famine hit, Egypt wasn't panicking.

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Egypt was prepared, not because of fear. but

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because of foresight. That's the posture we're

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called to carry. An emergency fund isn't fear

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-based. It's faith -based wisdom, being a good

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steward just like Joseph, positioning our resources

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with strategy so we're not reactive when the

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unexpected comes. Because God doesn't just call

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us to survive the famine. He equips us to lead

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through it. Because what we know is when there's

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famine, there's also opportunity. So whether

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you're in a season of plenty or preparation,

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remember, storehouses aren't just a place to

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hold money. They're places to multiply wisdom.

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The Faith and Finance podcast is intended for

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educational, informational, and entertainment

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purposes only. The views and opinions expressed

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by the host and guests are their own and do not

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necessarily reflect those of Joseph Wells Management,

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Joseph Eden Capital, or any affiliated entities.

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Nothing shared on this podcast should be construed

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as personalized, financial, legal, tax, or investment

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advice. All investing carries risk, including

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the potential loss of principle. Listeners are

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strongly encouraged to consult with a licensed

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financial advisor or fiduciary who understands

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their unique circumstances before making any

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financial decisions. Joseph Wealth Management

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and Joseph Eden Capital are registered entities

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and operate in accordance with applicable regulatory

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guidelines. Business is conducted only in jurisdictions

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where they are duly licensed or exempt from registration.