The Money I Can Touch But Won't: Building Restraint Around Accessible Cash

Okay; so,  Week 1 I chose the slow transfer. Week 2 I locked money away in my Do Nothing Fund where I literally can't touch it for 30 days.

This week? I'm doing something that feels even harder.

I'm letting money just... sit. In reach. Accessible. Available. And I'm not touching it.

Not in a locked account. Not hidden away. Just there. In my checking account, sitting $150 higher than it "needs" to be. Money I could spend. Money I could optimize. Money I could put to work.

But I'm not.

It's easy to not spend money you can't access. The Do Nothing Fund works because it's out of sight, out of mind. But money that's RIGHT THERE? That you walk past every time you check your balance? That's testing a whole different kind of my patience. And the dopamine kick my neurospicy brain gets thinking about it was enough to make me doubt the .

This is practicing restraint in the presence of availability.

And this is actually how wealthy people move. They're not constantly optimizing every dollar the second it appears. They let money accumulate. They have buffer. They see an extra $200 in their account and don't immediately think "okay what can I do with this?"

They just... let it be.

This is what every Black wealth builder from Tiffany Aliche to Julien and Kiersten Saunders has been trying to tell us—but I had to feel it in my own account to get it.

For someone who's spent years moving with money like it's always got somewhere to be, this feels WILD. My brain keeps trying to assign it a job. "Oh, you could put that toward—" Nope. "What if you just moved it to—" No ma'am.

It gets to sit.

Because if I can't be around accessible money without deploying it, I'm still operating from scarcity. I'm still in hustle mode. I'm still one impulse away from "not enough."

So Week 3 is about proving to myself that I can hold space. That money can exist in my world without me needing to control it, move it, or make it perform.

The work isn't just making money. It's learning to be comfortable around it.

This week: letting small amounts stack without touching them. Just watching them exist. Just breathing with the fact that I have money I'm not using.

Wild concept, I know.

What about you? Can you let $50-100 just sit in your account this week without finding something to do with it? Try it. See what comes up.