 any reason whatsoever so that's where we start talking about if they don't want any risk about fixed index annuities they can get a much better potential rate of return than having it sit in cash they give up some liquidity but they get the return that they want so just want to summarize by saying sitting on cash is not a bad thing don't feel guilty about it especially if you have some purposes in mind and especially if you need it for your rainy day fund