Is it illegal to have $100,000 cash?

Okay, so, is it illegal to have $100,000 in cash? Well, technically, no. But honestly? It kinda freaks me out. Like, imagine having that much money just…lying around!

The thing that really gets me is the thought of it being seized. Ugh, I get this knot in my stomach just thinking about it. They can just take it? Even if it’s, you know, legitimately earned? It feels like they automatically assume you’re some kind of criminal or something. I mean, isn’t it my money? I earned it (or, you know, hypothetically earned it… let’s just say I’m thinking about winning the lottery here!).

And then there’s this whole “structuring” thing! I heard this story about a guy, a small business owner I think, who was making regular deposits from his sales. He thought he was being smart, keeping the amounts under the reporting limit, but BAM! He got hit with structuring charges! Like, seriously? You can get in trouble for trying not to get noticed? How crazy is that?

The idea that you can face charges just for depositing or withdrawing your own money makes my blood boil, I tell you. It just feels like a total violation, you know? Like, what happened to innocent until proven guilty? It just feels like the government is always looking for a reason to mess with you. Maybe I’m just paranoid, but still… that much cash just makes me anxious!