Quote from: qwertyup23 on Today at 05:53:59 PM

When you save, your money does not move. You are missing the opportunity of maximizing the time as your instrument in order to increase your cash overtime. This is the reason on why there are investments in which banks would often borrow your money in furtherance of their other projects and you will receive a corresponding interest rate depending on the amount that you invested.

savings is the short term activity to create a buffer to cover short term events so that events do not then harm investments
savings are not suppose to sit idle forever or be contributed to forever to then never invest.

you simply need to plan a budget amount you deem fit to buffer any short term incidences that would normally get you in debt. and save up a rainy day fund for that.. when you reach that amount. you stop contributing to "savings" and then put your excess income that was going to savings, to then go to investing..

then when incidents happen you are then not having to touch your investments or have incidents hit your investments. and instead you USE the savings to cover the incident to "save" you from investment loss potentials or "save" you from needing to use debt

when incidents happen you are suppose to hold and not move your investment. but instead move(contribute and diminish) your savings when incidents happen

..
alot of people on this forum from around the world are revealing that education systems do not teach economics properly
they instead flip things around and wrongly tell people to use dent for instances (thus paying double with debt interest) to not invest and instead "save" to waste the savings on hoarding as a "wealth" measure or spend frivolously on lifestyle consumption as a wealth measure
.. and this bad advice is why people dont prosper

savings is not a wealth measure. savings is the short term event buffer to save you from using debt or having incidents hit your investments