When I first began to dig into private money lending, I had a little chunk of cash and I knew I wanted to invest it. What I didn't realize: I had lots of dollars squirreled away in other places, many of which were either under-performing or doing nothing at all. In fact, it was like an iceberg -- the closer I looked, the more I found. I was on fix-it-and-forget-it mode with most of my money.