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Trading with cash in a brokerage account is straightforward, but understanding when you'll have full access to cash after selling a stock can be confusing. The balance in your Cash available for withdrawal may not be updated immediately after a sale. The settlement date, when the buyer gets the shares and the seller gets the money, is typically two trading days after the transaction date. This means that if you sell a stock on Monday, you won't receive the cash until Wednesday. Knowing this two-day lag time can help differentiate between settled and unsettled trades.