Why we should prioritize investment over saving

[stomachgrowls]

Saving is important, but inflation can erode the value of money. Investing in Bitcoin or land, for example, can help preserve value over the long term. I think investing a little more than just saving helps protect against inflation. You need to find a middle ground for all of this, and this is often difficult to do.

Actually, both provide benefits.
Saving in the form of Fiat will maintain our economic stability,
keep when we need fiat money directly for the needs of life and several other things.

And Investment is also needed to develop the assets we hold.
Like buying land, of course the price will always rise and this will be a set of no moves that can provide many benefits.
And buy some Gold jewelry, making it a "Safe Haven" asset that will rise in the next few years.
And also bought Bitcoin as a volatile Digital asset with significant development.

All of that will be profitable investment assets and have their own advantages and advantages.

Totally that mutual to each other on which we do know that savings could really be used for you to make investment and once you do make money with your investment then you could really be able to make savings on which basically shows that there would really be that cycle in between things.It would really be just that depending on how well you would really be making decisions whether you do invest or save.
Doesnt matter on which one you would really be focusing as long it would really be that beneficial for you. It is really just that depending on how you would really be making decisions
which you do know that it could put you up on advantage.

There are ones who succeed out and there are ones who do fail depending or basing up on their plans and actions that they are making.Outcomes could be random
yet there are other factors on which it could affect in overall things that you are dealing with.

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[DanWalker]

Well, saving is always a good choice because that will also serve as your solution everytime there's an emergency and having an instant cash is necessary. Therefore, it's indeed never a bad idea to save. We should not chose the other option (investing) if we can do both. Because you can still invest in any opportunities out there without draining your savings.

Financial management has a crucial role in order to do this. We should know how much is needed funds to allocate for the investment that you wants to venture. While leaving some of the money as savings so incase something didn't go as planned, you still have other option where you can start over again.

I also advise us to save first instead of investing. Investing means we can win or lose, investing does not always win. And what will happen to us if we fall into an emergency situation and our investment is at a loss of 50%? But if we have a little money saved for those emergencies, things will become easier.

In my opinion, a job with a stable income along with some savings should be a priority before we want to invest. Investing is also really important because it can give us the opportunity to increase our wealth quickly as well as prevent inflation, but it should not be the top priority in life.

[ultrloa]

Well, saving is always a good choice because that will also serve as your solution everytime there's an emergency and having an instant cash is necessary. Therefore, it's indeed never a bad idea to save. We should not chose the other option (investing) if we can do both. Because you can still invest in any opportunities out there without draining your savings.

Financial management has a crucial role in order to do this. We should know how much is needed funds to allocate for the investment that you wants to venture. While leaving some of the money as savings so incase something didn't go as planned, you still have other option where you can start over again.

I also advise us to save first instead of investing. Investing means we can win or lose, investing does not always win. And what will happen to us if we fall into an emergency situation and our investment is at a loss of 50%? But if we have a little money saved for those emergencies, things will become easier.

In my opinion, a job with a stable income along with some savings should be a priority before we want to invest. Investing is also really important because it can give us the opportunity to increase our wealth quickly as well as prevent inflation, but it should not be the top priority in life.

No guarantee on anything especially if we take a risky path on investment that's why its important for us to have savings so that we can handle anything if we don't succeed on the investment choice we pick.

Also once we have savings we can try multiple things that's why I can say both is important so that we can handle things that needed to consider that's why people need to think about having multiple source of income so that they can do both and will not lose to something that they don't experience yet. I know investment is really great compare to saving but we need to have both so that we will not totally get hurt and survive if everything we expect didn't happen.

[Iroh]

Having considered what inflation does to the value of money, I think it’s still worth it to have a reasonable amount of money in savings. If one wants to save money for a long period of time, there are accounts(fixed deposits account)opened for just that purpose. That way, you won’t feel the brunt of inflation that much.

It’s also real nice to have an investment as if managed properly, it could turn out very profitable but you should note that investments ordinarily take quite a long time before it starts to constantly yield positive results if any.
Sadly, not everyone has the means to have an investment as there are a lot of people who struggle to save. If it’s difficult to save, how then could they squeeze out money to invest?

[Zoomic]

Well, saving is always a good choice because that will also serve as your solution everytime there's an emergency and having an instant cash is necessary. Therefore, it's indeed never a bad idea to save. We should not chose the other option (investing) if we can do both. Because you can still invest in any opportunities out there without draining your savings.

Financial management has a crucial role in order to do this. We should know how much is needed funds to allocate for the investment that you wants to venture. While leaving some of the money as savings so incase something didn't go as planned, you still have other option where you can start over again.

I also advise us to save first instead of investing. Investing means we can win or lose, investing does not always win. And what will happen to us if we fall into an emergency situation and our investment is at a loss of 50%? But if we have a little money saved for those emergencies, things will become easier.

In my opinion, a job with a stable income along with some savings should be a priority before we want to invest. Investing is also really important because it can give us the opportunity to increase our wealth quickly as well as prevent inflation, but it should not be the top priority in life.

The truth is, it is not everyone who actually have the capacity to invest no matter the amount they have on them, they'd rather dump their money in the banks till they are ready to make use of it. This is because they are scared of taking risks.  Now the question is "can you save your money in fiat for over two or three years and still get thesame value when you withdraw? You know the answer already.

Saving is still good but keeping your funds idle for a long period of time has a higher chance of reducing its value. There are lots of low risk investments one can channel their funds to like investing in lands which has zero or very little maintenance charge or even investing in gold. You have your money intact and even get returns on your investment.

No one is advised to invest all he has, try to apportion your wealth to suit you. Certain percentages should be kept aside to meet day to day expenses and the other saved for unforeseen circumstances while the excess can then be invested. This way, you can have a balance.

[carlfebz2]

Well, saving is always a good choice because that will also serve as your solution everytime there's an emergency and having an instant cash is necessary. Therefore, it's indeed never a bad idea to save. We should not chose the other option (investing) if we can do both. Because you can still invest in any opportunities out there without draining your savings.

Financial management has a crucial role in order to do this. We should know how much is needed funds to allocate for the investment that you wants to venture. While leaving some of the money as savings so incase something didn't go as planned, you still have other option where you can start over again.

I also advise us to save first instead of investing. Investing means we can win or lose, investing does not always win. And what will happen to us if we fall into an emergency situation and our investment is at a loss of 50%? But if we have a little money saved for those emergencies, things will become easier.

In my opinion, a job with a stable income along with some savings should be a priority before we want to invest. Investing is also really important because it can give us the opportunity to increase our wealth quickly as well as prevent inflation, but it should not be the top priority in life.

No guarantee on anything especially if we take a risky path on investment that's why its important for us to have savings so that we can handle anything if we don't succeed on the investment choice we pick.

Also once we have savings we can try multiple things that's why I can say both is important so that we can handle things that needed to consider that's why people need to think about having multiple source of income so that they can do both and will not lose to something that they don't experience yet. I know investment is really great compare to saving but we need to have both so that we will not totally get hurt and survive if everything we expect didn't happen.

It would always be a life saver on which same as you said that whenever we do decide to take up some investment actions then chance of failure is really there on which you cant really just that make yourself
be able to avoid. This is why on the time that you do have savings at least then you could really be having that chance on having that recovery because you do have the funds,compared into those people
who dont have any financial back up then it would really be ending up on a complete failure. This is where you would really be able to realize about its relevance.

People would really be that normally be having that kind of realization when they are on tough situations. Just like on what others been saying above that once you do have that
different income source or making money methods then you could really be anytime making that kind of savings as you wanted.
This is why it would really be always best to have those back ups from time to time.

[beerlover]

You made some senses but the fact is that what has an advantage is also opposite to disadabi. @ OP, do not forget that the above mentioned investments also experiences inflations. However, saving your funds at where it doesn't profer income is a waste of time and resources because the range of times the money wasn't invested was like a dormancy finance in a stagnant degree. However, strategically, at the expectations of inflation in times ahead, it is economically wise to also save ahead of inflation so you purchase profitably during deflation

When you say that gambling is profitable, it means that you always win when you play gambling. The question is, is it possible to always win big in gambling? Maybe it's possible, but only with a small amount of winnings. Because most gamblers usually lose in gambling, right?

I have not seen any gambler who wins big money every day gambling, because if there is, and that is true, then for sure all casinos will lose money and close the crypto gambling industry.

That is true, gambling is not profitable and you should try to stay away from it as much as you possibly could. There isn't a reason why you should keep on gambling with the hopes that you will become profitable. I understand that some people may feel like if they keep gambling eventually they will make some money but most of those people end up with losing money instead.

There isn't really a clear way to make money from gambling at all, I think it's quite clear that we are going to end up with some sort of good return from something, and if that is possible then we should consider the possibility that gambling is a thing that will lose us money instead. Investing is opposite, the longer you hold, the more chance you could make money.

[Gladitorcomeback]

I also advise us to save first instead of investing. Investing means we can win or lose, investing does not always win. And what will happen to us if we fall into an emergency situation and our investment is at a loss of 50%? But if we have a little money saved for those emergencies, things will become easier.

In my opinion, a job with a stable income along with some savings should be a priority before we want to invest. Investing is also really important because it can give us the opportunity to increase our wealth quickly as well as prevent inflation, but it should not be the top priority in life.

 First try to save some amount and don't invest prior to learn well about investment because investment is not easy and you will have to work for it. If you get succeeded in getting knowledge then do some investment but leave some money for other purposes because from investment you cannot take out your used money immediately before enhancing in rate.

 Saving is first priority but investment is also important because it will help you to sustain a stable and happy life whereas saving amount can help you to manage the condition of emergency only. You can fulfil your dreams and needs with the help of investment but you cannot use your saved amount for your dreams.

[Queentoshi]

No one is advised to invest all he has, try to apportion your wealth to suit you. Certain percentages should be kept aside to meet day to day expenses and the other saved for unforeseen circumstances while the excess can then be invested. This way, you can have a balance.

It shouldn't be an option between one and the other either to save or to invest when you can make plans to fitting both options in your budget. You can save and at the same time have something to invest because investment and savings save different purposes although they work to meet the same goal which is to have money set aside that can be depended on tomorrow. In your budgets the question now is which do you give more important to, that is when you plan for both of them of course. Will you have more money for investment or more to savings? To me having more money set aside into investment is better than having more set to savings and less to investment. Invest more than you save.

[nurilham]

I also advise us to save first instead of investing. Investing means we can win or lose, investing does not always win. And what will happen to us if we fall into an emergency situation and our investment is at a loss of 50%? But if we have a little money saved for those emergencies, things will become easier.

In my opinion, a job with a stable income along with some savings should be a priority before we want to invest. Investing is also really important because it can give us the opportunity to increase our wealth quickly as well as prevent inflation, but it should not be the top priority in life.

I agree that saving should be the priority over investing. If we have no savings, we have no reserved money. It is very important for urgent needs in the future. Meanwhile for investing, it is a good idea to multiply the money but it is done when we have excess money only. Many people said that investing is better than savings but they don't consider the reserved money. Sure, investing can be success or fail. If we put all the money in investment, how we have reserved money? 

Of course, we must have stable income from good jobs in real life. If we have stable income, we will be easy to allocate money for investment and savings. But if we still have no stable income, it is better to focus on savings first. Investment is good but it should use the safe money, safe money means the excessive money.

[Dunamisx]

Our savings should also be part of our investment because we are having them kept for us for future use, when we have our savings to have accumulated to a certain amount reasonable for starting a business investment, then we will have to fall back on the savings to get this achieved, henceforth from that time onwards, we are to keep working to maintain the investment have another savings we could later fall back to in the future.

[Dzwaafu11]

Saving our hard earned money have never been a bad idea, but their are certain things we need to consider before thinking of saving, such as inflation.

Saving is really good, and it's a nice idea if we save a certain amount of money while earning money, because it will help and it has been helping throughout, but investment is better than saving money. In my opinion, saving money cannot double or put profit in the money you have really saved. There is even a possibility of you spending that money in the name of solving financial problems, but if you invest the money in something meaningful, you will surely get something on top of the money you invested.

But saving, just like the inflation you are talking about now, is now common, and what’s happening is that if you save money that you want to use for something with this current inflation, your budget may increase, and you may not have money to add and buy what you want, but if you invest the money in something meaningful, you won’t lose money, even if you add money and purchase what you want.

[mehmetosman89]

Our savings should also be part of our investment because we are having them kept for us for future use, when we have our savings to have accumulated to a certain amount reasonable for starting a business investment, then we will have to fall back on the savings to get this achieved, henceforth from that time onwards, we are to keep working to maintain the investment have another savings we could later fall back to in the future.

Such a solution is indeed quite good and is very possible to be implemented by everyone who wants to experience a good future for themselves through this. But we also need to determine what form it is in, because not all forms of savings are suitable to be considered as future investments, for example fiat savings which generally will only save us temporarily to buy something. So if we want to create savings that can be considered as an investment for the future, I think it is only more suitable for Bitcoin and gold. Because apart from the possibility of making a profit when prices increase, these two assets also have more value in the eyes of many people at this time.

[Youngkhngdiddy]

Saving our hard earned money have never been a bad idea, but their are certain things we need to consider before thinking of saving, such as inflation.
Inflation is truly the real enemy to every money that is being saved up, because when the time is right like a year time, when it should be used for it purpose, the value wouldn't be as how it actually was when you started saving it, but on the other hand, if we have been investing that money into Bitcoin, land or gold bit by bit, over the course of a year, the value of that your investment would have added additional value compared to our savings that will be eaten up by inflation.
So too me we should think of investing more of our money than saving it, so that  inflation wouldn't eat it up.

   it requires a goal, further it requires patience. In today's cut through, competitive and show+off world everybody is trying to show off to others what they have. This requires spending money on unnecessary and unfruitful items whose utility fades over time. Moreover investment and that right one is an art which is to be learnt patiently which people don't have or least resisted to learn. Whatever investment strategy which works for one don't work for others. Not all are impatient one. It is just a section of people who don't save and invest. Moreover this tendency is largely seen in young generation (majority) and not mostly in case because of over hype attitudes they had.
   Savings accounts can have a poor reputation because they have such low returns, particularly in today’s economic climate. It’s true when taking inflation into account, you can actually lose money on a savings account in the long run. The Federal Reserve has not been kind to savers, especially since the financial crisis when the Fed dropped the interest rate to a historic low. But even in the current American economy, saving has some distinct advantages over investing. Investing is a natural way of making money and making your dreams reality.

[Russlenat]

Saving should not serve as our end goal towards financial security and stability but it should only be our first step towards realization of our finances. While a lot of us are focused on saving, only few have taken the risk to take an extra mile and invest their savings. Yes, it could be risky but it’s the only possible way to grow your money and bring you multi sources of income aside from the salary you get from your stable job.

However, I’m not going to say prioritize saving over investing but I guess there should be balance between the two. If we are going to save, then we should see to it save also for our investment, to save for emergency funds and to save for the brighter future of the family.

[blockman]

Everyone here is for sure can avail to take risk while there are people that can't do that much with it and just choose to save for their own future. But little did they know that buying a property and fully paying it is already an investment. Why? That's because it is appreciating while those that have been mortgaging it for how many years are still considered it as a liability until it's fully paid. But what's good with it is that they can rent it out if it's allowed to do so. So, with those savers that didn't know what to do with their money is just to go and buy those traditional assets for their safety if they can't take that much risk.

[oktana]

Inflation is one big problem but that’s not the only reason why you should rather invest than save. Imagine you have $1000 and you save it. Let’s assume that for 5 years, the money wasn’t affected by inflation. When you take out the money to spend it, it will only be $1000. However, that’s not the way it should be. We are not supposed to save money to be able to spend it. We’re supposed to have a source of income from where we can spend at any time. Instead of saving that $1000, if you invest it for that 5 years, you can end up with $5000, $10,000 or even $50,000 depending on how you go about investing it. For me it’s more than inflation.

[Issa56]

Having considered what inflation does to the value of money, I think it’s still worth it to have a reasonable amount of money in savings. If one wants to save money for a long period of time, there are accounts(fixed deposits account)opened for just that purpose. That way, you won’t feel the brunt of inflation that much.

It’s also real nice to have an investment as if managed properly, it could turn out very profitable but you should note that investments ordinarily take quite a long time before it starts to constantly yield positive results if any.
Sadly, not everyone has the means to have an investment as there are a lot of people who struggle to save. If it’s difficult to save, how then could they squeeze out money to invest?

Many people have found that saving money has been very helpful, but these days, all they need to do is invest it instead of saving it because inflation has caused money to lose value. Even if you save thousands of dollars now, it won't solve your problems because of the high cost of commodities. For this reason, people whose salaries are increasing are not seeing a change in their daily lives despite price increases. as well as having a respectable sum on hand for whenever you need money or in case of an emergency. and there are no huge profits from fixed deposits either. The globe is evolving into new phases. and management is necessary for everything. And the moment you invest in anything, your main concerns will be survival and profit. Survival is crucial because there are a lot of businesses out there that have the potential to fail, so you need to be a good thinker to succeed because investing requires a lot of thought.

[franky1]

said multiple times but worth emphasising again

savings is not your wealth pot. its your emergency pot.
just calculate your housing COSTS.(not luxuries, not random spends). so just the essential housing costs, bills and food necessities(basic staples, not restaurant, not take-out).
work out a timeline worse case of how much time you might need to use a survival budget
and that is the total easy access savings you need to target

once you get to that target stop saving and then put your excess ongoing income into investing

the savings pot is there as a rainy day fund to cover emergencies so that you do not need to raid your investments or be pulled into debt

[armanda90]

Inflation is one big problem but that’s not the only reason why you should rather invest than save. Imagine you have $1000 and you save it. Let’s assume that for 5 years, the money wasn’t affected by inflation. When you take out the money to spend it, it will only be $1000. However, that’s not the way it should be. We are not supposed to save money to be able to spend it. We’re supposed to have a source of income from where we can spend at any time. Instead of saving that $1000, if you invest it for that 5 years, you can end up with $5000, $10,000 or even $50,000 depending on how you go about investing it. For me it’s more than inflation.

Get more benefit why have prioritize the investment than saving, actually for emergency fund we can take it from investment without have saving fund. Inflation is big problem had to face by every one when saving their money for five years later or more and investing help us how to get increasing money when invest it more five years later.

Saving money actually have drop valuable with inflation happening very years and $1000 saving fund hasn't the same values in five years later, but when using it for investment assets get potential increasing profitable more than few percent and keep your investment grow up more than fist amount of your investing.
Now make your research benefit between saving and investment, you can comparison with $1000 valuable in last five years and looking right now how much product can purchase with this amount regarding in last five years ago.