Both. To invest you need to have some saved up and it's a bad idea to invest the money you're living on.
If you're really afraid of investing do yourself a favor and don't keep your savings in a bank. Buy a good safe or a piece of land that will work as both a store of value and an investment.
Moreover, if you want safe and sure profit, saving is the best thing you can do, if you are going save bitcoin not the money/cash itself which you are going to save it in the bank. Of course, was the best one to save it then hold it in a long term basis because of the volatility it has.
To be safe and sound I think saving is the way to go but in this forum many people are not happy with their earnings and always want more and more - in other words its known as greed. Hence for them investing is a good way to earn extra money by different methods. But people should be careful about where they invest their money in and not do so in some MLM factory or HYIP.