Julia’s six-figure salary has allowed her to build up a considerable cash reserve of over $20,000. She initially had basic checking and savings accounts. She also has a credit card with her bank that she uses to make most of her purchases, thereby earning reward points. She is careful to pay the account balance in full each month. Over time, she purchased several CDs. About three years ago, she also opened a money market deposit account at her bank in which she keeps almost $10,000. Last week she got a call from the bank suggesting that she open a cash management account to coordinate her accounts and maximize her overall earnings. She is hesitant to do so as she feels her current arrangement meets her needs. Offer your opinions about her thinking.