I have about $200K in cash. Each year for the next 3 years I will need about $50k-$60k. Obviously the safest thing is to hold the $200k for three years to guarantee I can pay off my debts, but ideally I can earn some money from the cash. How do you all earn returns on cash you are holding? I can't tie it up in major investment because I will need to draw from it, but I don't want to waste potential returns.