<p>Every spring, the same scene plays out across backyards in North America. You fill the feeder, pull up a lawn chair, and wait for the cardinals and chickadees. Then something else arrives first. Maybe a hundred of them. Maybe they’ve already stripped the feeder bare and are standing on your lawn looking entirely too comfortable….</p>

<p>The question sounds almost too simple. You’ve got some cash tucked in a drawer, maybe a few folded bills in an envelope behind a book on the shelf. Is that enough? Is it too much? Should it be in a fireproof safe, or should it not be at home at all? Most people have never…</p>