I make sure to do a little bit of both. Use some money for investments in stocks. And for bitcoin.
Then a stash of 20% of my money for savings on my bank account.
That's the best strategy. Try all but have something stashed aside for rainy days.
Correct whenever you got some expensie which are unpredicted you don't need to depend on a loan or something. I really hate the idea of going to a party and borrow money from them.
It's just not my style.