Laura answers a reader question about what to do with extra cash in her bank account by recommending an easy action plan called PIP. Find out what it is and how to use it to solve just about any financial dilemma. Want updates from Laura? Text the phrase "GetUpdates" to 33444, then enter your email when prompted. It's that easy. You can also connect on Twitter at @LauraAdams. Read the full transcript here: http://bit.ly/1GJ3Bpp