The best thing a business owner can do to manage cash flow and eliminate uncertainty is to embrace faster payments.

Retirement account balances fell in the first quarter of 2025, according to Fidelity Investments, the largest 401(k) provider in the U.S.

It includes three different accounts — a business checking account, a treasury account that can earn yield and a cash management account with expanded FDIC insurance (Brex calls this “Vault”).