My prefix is plant. My suffix is grant. My infix is a piece of cake. My whole is wealth at stake.
Above your waist.
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The answer is
My prefix is plant.
trea -- like tree
My suffix is grant.
My infix is a piece of cake.
My whole is wealth at stake.
treasure - like when others find your buried treasure, or when you can't find the hidden treasure
Above your waist. -- your chest is above your waist, suggesting treasure chest.