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Trading with cash in a brokerage account may seem straightforward, but it's important to understand when you'll have full access to the cash after selling a stock. The balance in your Cash available for withdrawal may not be updated immediately after a transaction due to the two-day settlement period for equity trades. 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 you differentiate between settled and unsettled trades.