 You can move 40 into the brokerage account and keep 20 in a money market there just so you say, okay, at least I'm earning a decent rate. By the way, banks, this is why people are putting money into their brokerage accounts because you stink. You stink about your crappy level of interest for these big accounts. If you have a financial question, just go to JillOnMoney.com. We'll be right back.