I say this must be balanced for both. some of the money we must invested to continue to grow our money.
Your right with that its good to save it and wait for the price will go up and rise it is the safest and 0 percent u wi not scam but its better to invest it so it can multiply easily and choose what program u wish to join do some research so u can invest in good so u can make sure you can earn not to be scam victim