Neither am I. If there is any place yield to 3%

, i.e. inflation rate, I wouldn't bother the trouble. I used to just let the cash sit there. Now I don't have much cash any more. But during my previously struggle, I realize: No matter where you put the money, there is always a risk. In the CD, inflation. In the real estate, price goes down. In the stock market? You know it. :)