Even if you hold money without spending it, its value will decrease day by day because the prices of goods are constantly increasing rapidly which is devaluing the value of money. If you want to keep the value of money then you need to invest your money in a proper place. But in this case too there is risk so you can't be relaxed about anything you must constantly recharge the market. And you have to acquire the ability to always keep up with the present
Yes, from the rate at which the prices of all products are increasing day by day, we need to invest in the right place to maintain the value of our money. So that the value of our money is correct and it is better to invest thinking that there is some profit from the place where the investment is made.
In that case, if you keep money in the bank, you get 8-10% interest, on the other hand, there is a lot of risk in business. Investing in crypto is also risky. If you hold cash money, the value of the money decreases in this case also loss. So it is imperative to learn risk management and have the ability to take risks. Holding cash not only reduces its value but also its unnecessary use weakens our finances. So I think investment is the only solution