Earning money is hard, saving money is damn hard, getting rich and being able to live comfortably is insane.
For me saving just for short term, you can't earn anything and your wealth will decrease over time. People have to take big risk if they want to be rich, if they only take some risk or little risk, it's not enough.
What does big risk mean? it's a risk where you can lost all of the money you invest e.g. start a business, invest in new thing etc.
Nothing on earth is easy as we may think, if we wants to get rich or get poor it lias on our hand, because if we don't plan we'll from the earlier stage I don't think that we will plan we when is too late for us, so every time we see or opportunity we get, I think we have to grab it to become successful, something what makes some people to be poor today should be a mismanagement of funds from their early stage, so if you faill to utilise what you have, time shall come when you will have nothing, that's why people do talk of investment, when you have money you to spread your money to things that will give you return