<prompt> Human: As stated, I have around 190K total liquid assets, that are just currently sitting in the bank, earning around .75 interest. Its nothing.Ive been trying to shift the funds around, taking advantage of various promotions - Getting 250 for putting 10K in MT Bank, getting 500 for moving 50K into Citibank, etc... but Id really like to actually find a way to to make a better rate on my money and retain some liquidity.I have no outstanding debt, and I pay my credit card off in full each month Chase Freedom. Good credit. Im 37, and rent other bills are under control for the time being. What I really need is advice on what to DO with my money.The best thing I can currently think of is putting my cash with Ally Bank online and getting their 1 interest rate.. but thats still an absolute pittance.I was reading through these subs, and read the side bars re: investing, but Im just not clear as to what I can be doing. Any suggestion, men and women of personalfinance ?  <response>: Do you have a financial goal in mind? Are you saving for something, or do you want to maximize the return on that money long term i.e. for retirement? What do your current retirement savings look like? You mention wanting to retain liquidity - how much of that cash do you want to keep liquid and how much are you okay with stowing away long-term? 