I it indeed wise to have an investment instead of just saving it on a bank since our fiat money will just decrease its value due to inflation so saving your money in a bank will not make you rich. I go for investment, and for me one necessity when you have investment is you also have emergency funds, it is your savings that you can use anytime, like for health issues, calamities, job loss, etc. My mnetor once said that for emergency funds the least that you should have there is equivalent to 6 times your basic pay. Also one thing good about it is that you will not touch your coins and stay on track with your investment strategy and be confident that you can cover all your needs and emergency issues anytime.