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Deciding between holding your money in T-Bills or keeping it as cash depends on your financial goals and risk tolerance:

T-Bills:
- Safety: T-Bills are backed by the government, making them one of the safest investments.
- Interest: They offer a modest interest rate, which can help your money grow slightly.
- Inflation Protection: While not guaranteed, T-Bills often provide a return that can help keep pace with or slightly beat inflation.

Cash:
- Liquidity: Cash is the most liquid form of holding money, allowing you to access it immediately.
- No Interest: Keeping money as cash typically doesn't earn any interest, meaning it won't grow over time.
- Inflation Risk: Cash can lose purchasing power over time if inflation rates are higher than the interest earned on T-Bills.

If you're looking for a safe place to park your money with a slight return, T-Bills might be a better option. However, if you need immediate access to your funds and don't mind the lack of interest, keeping it as cash could be more suitable.