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.
Investment is important no matter what the job is, be it education or business as you mentioned. So those who work hard need to do that effort in a smart way so that their efforts bring better results. One of those smart things is investing. Many people like saving, but they definitely don't like to take risks or don't have the ability to take risks. Savings give a person some financial security such as dealing with emergencies, small expenses or unexpected expenses that are very short-term. And those who set long-term financial goals will choose investing.