I often hear from my elders that those who work hard, suffer and work patiently today have a very happy future. So I think that instead of increasing the standard of living today, it should be used for saving and investing. So that we can ensure a beautiful future. So my personal opinion is to invest. Because if you want to do something productive in life, you must invest. There is no other honest means or way to grow in life except investment.
Investment itself can also be in many ways such as investment in business, certain education and also investment in knowledge so that we ourselves can have many ways to make changes to ourselves, the final results of which we can feel ourselves in the future. Because for now hard work and smart work must be really combined well so that whatever we do can have clearer results in the future even though parents in the past may have only suggested hard work without suggesting smart work. But for now we must be able to make a difference by doing smarter work in order to save our own time and energy.