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CGI's Morgan: Never Keep This Much Money in Your Bank Account — IRS Watching in 2026
$25,000. That is the line above which keeping money in a single checking or savings account starts costing you in three different ways at the same time. One of them is one your bank is legally prohibited from warning you about.
I am Markus Graves, enrolled agent licensed to represent taxpayers directly in front of the IRS. In this video I walk through:
• The $10,000 Currency Transaction Report rule everyone has heard about — and the one that has NO dollar threshold that almost nobody knows
• The 7 specific behaviors bank compliance software is flagging right now
• Real Americans who lost their entire accounts to civil asset forfeiture — never charged with a crime
• What inflation + low interest is doing to a $50,000 idle balance every year
• The FDIC $250,000 limit and what happens above it
• The 5 places financial planners actually move retiree money — with current rates
• 3 retiree-specific danger moments (RMDs, pension lump sums, survivor benefits)
• How to spot a Suspicious Activity Report without anyone telling you
• The single move that earns most retirees an extra $4,000-$6,000 per year
If you take ONE number away from this video, take this one: $25,000.
⏱ Chapters
0:00 The $25,000 line
1:30 Why your bank will never have this conversation with you
1:43 Robert — retired electrician, $140K in one bank
3:35 The Suspicious Activity Report on Robert
4:27 The $10,000 reporting rule explained
5:18 The Bank Secrecy Act database
6:00 The SAR — no dollar threshold
7:00 The 7 behaviors that flag your account
8:46 Title 31 § 5324 — structuring
9:30 Carol Henders. Linden McClellan. Andrew Clyde.
14:35 What inflation actually costs you
15:30 You are the supplier, not the customer
15:55 The FDIC $250,000 limit
17:00 The 3 biggest bank failures of 2023
17:38 Keep 3-6 months in your bank. Move the rest.
18:30 5 places to actually keep your money
18:38 High-yield savings (Ally, Marcus, Discover)
19:35 Treasury bills + TreasuryDirect
20:30 Series I Savings Bonds
21:10 Brokered CDs
22:00 Money market funds
22:50 The Markus retiree stack
24:30 The 3 retiree-specific danger moments
25:50 How to spot a SAR
26:30 What to actually do this month
26:45 $25,000 — the one number
Nothing in this video is legal, financial, or tax advice. It is general education. Talk to your own CPA, EA, or attorney for guidance specific to your situation.
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