Does depend on you on which one you would really be comfortable with in speaking with savings but for me, im not really that saving up fiat 100% on a bank and just letting those money to put in work or making some investment to generate more income.Yes, you would really be needing up to risks on something to earn more because we do know that putting up fiat on a bank doesnt really give out huge interest or
earning and let those fiat sit on idle plus we cant really be able to avoid inflation in the first place.

This is why you should really be able to realize on what are the things that are beneficial and what are the things that wouldnt really be giving out some impact when the time comes.
You should be wise on making your money or savings grow at least.