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Author Topic: If you don't save,you are not safe  (Read 440 times)
Man of peace (OP)
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October 21, 2025, 06:23:43 PM
 #1

Money is very essential to every human being and that is why everyone wants to make money, people are making money in different ways,some makes their money in an easier way, and some are in difficult ways depending on the type of work you are doing.but they are only three things you can do with money:

(1)you can invest money

(2)you can spend money

(3)you can waste money

 As it stands now there are different categories of people in this life and each of them falls into this three ways of using money.
 
investing money :the Wise people invest money because they know the value and the importance of money and will never want to lack money just because of their unwise decisions and that is why they are good planners and always going into investments.

spending money :an average people spent money because they know that there is another to eat tomorrow and and feels that there's need for enjoyment to regain strength and energy to work more for the better days ahead.

waste money :this are the people who think that the money can never finish, this are those who feel they have arrived and thinking that there's no need to invest or save, always pressume until it becomes late.. foolish people waste money

Even at this our present time it is still happening,we still have this three categories of people in our midst,so which one are you?

You must learn how to save and invest if you want to become rich and successful person in life.
Fortify
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October 21, 2025, 08:02:53 PM
 #2

Some people don't have the luxury of safety - they are victims of circumstance, whether that is growing up in a poorer country with few job opportunities, having to pay for a growing family with no ability to upgrade jobs, being in debt (hopefully through no fault of your own), a disaster in the family like having to cover an extortionate healthcare bill, paying for elderly care for relatives or a bunch of other reasons. Those things can sometimes be outside our control to change, at least quickly, so you just have to keep your head above water in that situation. When you do have a bit more control, you should definitely avoid wasteful spending, like going into an overdraft for a new phone or taking an expensive loan to get a fancy car you shouldn't really be buying, then you often end up learning the hard way hopefully not to repeat it again. Not everyone is able to afford to save, so be careful preaching even if it is with good intentions.

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October 21, 2025, 08:27:52 PM
 #3

Is money necessary to be successful? Do you want to measure success by money? No, it is not possible. Success has nothing to do with money, some people artificially associate success with money. You are successful only when you are able to achieve your goals or objectives in life, it is not mandatory that you have to own money. Change your perspective on the definition of success. You will see many people in the world who, despite owning a lot of money, end up on the streets due to the abuse of their children or in just a short period of time they reach the list of poor from rich. That is, money should not be the measure of anyone's success.

There are many ways to earn money in life, there is no obligation that you have to save or invest to earn money. Don't you see Messi, Neymar or Ronaldo or some other celebrities who are earning a lot of money without investing money but only by their talent. What will happen with so much money? I consider the extra money after saving for you and your next two generations as unnecessary money, it has no value or need. Because, you are leaving money for those who will not even know your name. Investing is not possible for all people in the world, it may be due to poverty











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rachael9385
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October 21, 2025, 08:35:05 PM
 #4

Money is very essential to every human being and that is why everyone wants to make money, people are making money in different ways,some makes their money in an easier way, and some are in difficult ways depending on the type of work you are doing.but they are only three things you can do with money:

(1)you can invest money

(2)you can spend money

(3)you can waste money

 As it stands now there are different categories of people in this life and each of them falls into this three ways of using money.
 
investing money :the Wise people invest money because they know the value and the importance of money and will never want to lack money just because of their unwise decisions and that is why they are good planners and always going into investments.

spending money :an average people spent money because they know that there is another to eat tomorrow and and feels that there's need for enjoyment to regain strength and energy to work more for the better days ahead.

waste money :this are the people who think that the money can never finish, this are those who feel they have arrived and thinking that there's no need to invest or save, always pressume until it becomes late.. foolish people waste money

Even at this our present time it is still happening,we still have this three categories of people in our midst,so which one are you?

You must learn how to save and invest if you want to become rich and successful person in life.

Saving without having any thing that increases the money you are reserving is just delaying the inevitable, meaning you are only going to end up spending it sooner or later with mo value being added. Instead of just keeping money to spend in a few years time just invest into something that can generate money for you. Those that are wise would do this instead of keeping money in your savings account that ends up getting deducted

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October 21, 2025, 08:47:10 PM
 #5

Some people don't have the luxury of safety - they are victims of circumstance, whether that is growing up in a poorer country with few job opportunities, having to pay for a growing family with no ability to upgrade jobs, being in debt (hopefully through no fault of your own), a disaster in the family like having to cover an extortionate healthcare bill, paying for elderly care for relatives or a bunch of other reasons. Those things can sometimes be outside our control to change, at least quickly, so you just have to keep your head above water in that situation. When you do have a bit more control, you should definitely avoid wasteful spending, like going into an overdraft for a new phone or taking an expensive loan to get a fancy car you shouldn't really be buying, then you often end up learning the hard way hopefully not to repeat it again. Not everyone is able to afford to save, so be careful preaching even if it is with good intentions.
Yes, many people do not have the opportunity to save or invest in their lives because their salary is so low that they have to struggle to meet their daily expenses. Sometimes life creates such difficult situations where survival is the biggest challenge for them then in fact there is no opportunity to think about the future. However, it is not the case that to save, a large amount needs to be saved. If someone wants, they can also save small amounts, for example, in this case, what I do is I save 10% of my income. However, if my income is a little more than my daily expenses in a month, I save that. In this way, a good amount of savings can be made for the future by saving small amounts. And I agree with you on one thing that I do not like the idea of ​​taking a loan at all, whether it is for buying a car or any other. So, by reducing such unnecessary expenses and saving some amount from your income, it is possible to get a safe savings for future.
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October 21, 2025, 09:02:02 PM
 #6

Snip

Saving without having any thing that increases the money you are reserving is just delaying the inevitable, meaning you are only going to end up spending it sooner or later with mo value being added. Instead of just keeping money to spend in a few years time just invest into something that can generate money for you. Those that are wise would do this instead of keeping money in your savings account that ends up getting deducted
You are 1000% correct lolz, saving is just preserving yourself for the problem in future, it just primarily avoiding the reality until it becomes unavoidable.

Investment is the real deal but people take saving for investment and sometimes especially those who do not take their time to learn money and how it works intertwine both of them but reality is different, the outcome of saving is that you would easily escape a lot of things because you have savings, savings is basically emergency funds.

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October 21, 2025, 09:17:29 PM
 #7


Saving without having any thing that increases the money you are reserving is just delaying the inevitable, meaning you are only going to end up spending it sooner or later with mo value being added. Instead of just keeping money to spend in a few years time just invest into something that can generate money for you. Those that are wise would do this instead of keeping money in your savings account that ends up getting deducted

To be sincere this is the major problem that most people most especially older generations face, they think that saving is the go to, but it is the worst form of future plans because you’re keeping you’re funds which should be working for idle. The only way saving is considered is actually when the assets bought is actually that which Increases through ROI like Precious metals and bitcoin, this asset are considered investment because if held for long they have the potential to flip prices and most importantly still retain their value unlike the fiat.

In the past or even present one of the major mistakes that older generations made or some are making is saving their fiat as retirement benefits but if we analyze this we see that years later this fiat are actually accumulated but the purchasing power is actually not their again, so for savings is to actually solve immediate problems but to actually fix ones future financial problems then it should be investment and not just saving, even if it is holding of precious assets or investing into real estate properties

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October 21, 2025, 09:23:54 PM
 #8

Money is the ultimate goal of every human being. If you don’t have money, it’s like you don’t exist in your society and your life will be meaningless. Let’s accept it, money is what makes us happy, otherwise, living life with no money at all is like living a miserable life. So let’s prioritize saving to invest, you won’t get rich with saving but it’s certainly a stepping stone towards getting rich in the future.

If you don’t save, you are not safe. You may still live, but you won’t live life to the fullest and enjoy your life like those who have stable source of income.

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October 21, 2025, 09:34:53 PM
 #9

It’s funny thinking that saving is actually a necessity in life, and yet a lot of people don’t find means to save but instead turn into a one day millionaire and spend all their money in just a blink of an eye. And after that, get to suffer the consequences of having no savings at all.

However, we all know we really need to save to prepare for our future. And saving and investing do not just come in an instant, we need to do it for long term as it requires a long term process before we will be satisfied with the outcome. That’s why if you don’t have enough motivation and patience to save and invest eventually, you will never experience saving and investing all throughout your life.

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October 21, 2025, 09:49:30 PM
 #10

Saving is an habit in which not everyone can manage to have it but they can actually developed it, this is why it is necessary for us to choose right from time what we want and how we could take a very good advantage of it for our own profiting in life, because savings could help us when we least expected in times of need, cover our shame a d prevent anything called disgrace to fall upon us because we have something to fall back at.


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October 21, 2025, 09:52:56 PM
 #11

You must learn how to save and invest if you want to become rich and successful person in life.
We have to. Because if we don't learn how to save today, money won't save us tomorrow(in the future). That's why we as investors of Bitcoin have learned how to invest. And it's not rocket science for everyone not to understand that. But if you have the guts to do it and you're able to make yourself understand how Bitcoin goes as an asset and investment, your money is safe to it if you go long term and if you invest in it. That's the kind of saving that we are doing right now and as we can see, it's already saving ourselves and solving a lot of us from financial troubles.

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October 21, 2025, 09:53:08 PM
 #12

waste money :this are the people who think that the money can never finish, this are those who feel they have arrived and thinking that there's no need to invest or save, always pressume until it becomes late.. foolish people waste money
Not every person who you see spends money unwisely, and in your words, wasting money is foolish. Some of them are enjoying the investments made maybe by their parents or already made investments a long time ago and have been able to secure multiple sources of income that can allow them to live any kind of lifestyle that they wish to have, even a wasteful one.

There are persons that, regardless of their wasteful lifestyle, will never be able to exhaust the money they have from investments they already made.

You are only foolish and wasteful with money when you are in the category of persons who do not have proper investments or have anyone who made proper investments for you, and you are wasting the resources you have that you should be investing.

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October 21, 2025, 09:57:47 PM
 #13

I think it’s more preferable to say, if you don’t make a living and find a stable job, you will never be safe. Saving may build peace and confidence, but it’s never enough to make you live a life secured and safe.

Reality hits us that majority of the people are still affected by inflation, and so saving is quite a hard task. Although we can save at the beginning, but later on when days get tough and finances are tight, we end up using up even the little savings we have.

 
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October 21, 2025, 10:10:58 PM
 #14

You must learn how to save and invest if you want to become rich and successful person in life.
I don't save, but I just minimize my monthly expenses and try to invest the rest. This approach worked for me in the first year, but then I had to make changes given the increasing needs. The first year I managed to build as much of my portfolio as I could, then didn't accumulate anything in the second year because I tended to want to create some sort of cash reserve as an emergency fund. Of course I'm not as consistent as I sound, but that's how I invest until I get to a safe and profitable position.

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October 21, 2025, 10:19:11 PM
 #15

The percentage of the world population right now, it is only but a few hundreds or millions of persons that have money you would say is enough for them to invest, investing money is not an easy task, it comes with risk. A lot of persons depends solely on their salaries and this salaries take care of their family and their bills, most times what they can easily have as some form of Investments is their savings, and this savings takes them a lot of time and effort.  So I would rather advice for most persons that cannot take the risk and the rigorous processes of investing,  they should rather go for saving, as as savings can actually help you during rainy days.











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October 21, 2025, 10:23:33 PM
 #16


(1)you can invest money

(2)you can spend money

(3)you can waste money

Even at this our present time it is still happening,we still have this three categories of people in our midst,so which one are you?

Honestly speacking, I can say that i belong to category (2) and (3). In most of times I have to spend a lot, sometimes even higher that my income. But it is always for daily life needs. And since i spend all my savings at a specific time, i have no haven to escape from spending money in personal stuff (not in need for) and this is what i call it Waste, in addition it can take time to earn more.


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peter0425
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October 21, 2025, 10:28:29 PM
 #17


investing money :the Wise people invest money because they know the value and the importance of money and will never want to lack money just because of their unwise decisions and that is why they are good planners and always going into investments.

spending money :an average people spent money because they know that there is another to eat tomorrow and and feels that there's need for enjoyment to regain strength and energy to work more for the better days ahead.

waste money :this are the people who think that the money can never finish, this are those who feel they have arrived and thinking that there's no need to invest or save, always pressume until it becomes late.. foolish people waste money
As you will observe all these three have something in common and that is they all spend their money at the end. Money is meant to be spent but the difference is how one will spend it. Will you be spending it wisely or will you spend it without thinking? Even investing asks you to spend but it is considered wise spending because the money you spend will come back two fold.

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EluguHcman
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October 21, 2025, 10:33:48 PM
 #18

Money is very essential to every human being and that is why everyone wants to make money, people are making money in different ways,some makes their money in an easier way, and some are in difficult ways depending on the type of work you are doing.but they are only three things you can do with money:

(1)you can invest money

(2)you can spend money

(3)you can waste money
I go with number 2. There is no other reason why we need money and why we struggle to get it other than to spend it.
Investing it will still be of the essence of spending.

No one decides for you on what to do with your money and how ever way you uses it is still accountable to expenditure (you spent it).

If we talk about the varieties of how money is used, we are equally talking about it essence which still have to be spent.
Or so we also talk about those who uses the cash to whip their butts? Just a sign of how less values the fiats maybe.











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Pablo-wood
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October 21, 2025, 10:37:42 PM
Last edit: October 21, 2025, 10:48:04 PM by Pablo-wood
 #19

waste money :this are the people who think that the money can never finish, this are those who feel they have arrived and thinking that there's no need to invest or save, always pressume until it becomes late.. foolish people waste money
I think there should be a distinction,  what if the so called wasted money comes from profit(s) made through an already successful investment would we still call that waste? obviously not. Except for those who have no investments at all yet choose to live a luxurious lifestyle, I believe those who have diligently grown their wealth to a point where they can afford comfort deserve every cent they spend on themselves, their loved ones, and that which they give back to humanity.

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October 21, 2025, 10:43:55 PM
 #20

Money is very essential to every human being and that is why everyone wants to make money, people are making money in different ways,some makes their money in an easier way, and some are in difficult ways depending on the type of work you are doing.but they are only three things you can do with money:

(1)you can invest money

(2)you can spend money

(3)you can waste money

 As it stands now there are different categories of people in this life and each of them falls into this three ways of using money.
 
investing money :the Wise people invest money because they know the value and the importance of money and will never want to lack money just because of their unwise decisions and that is why they are good planners and always going into investments.

spending money :an average people spent money because they know that there is another to eat tomorrow and and feels that there's need for enjoyment to regain strength and energy to work more for the better days ahead.

waste money :this are the people who think that the money can never finish, this are those who feel they have arrived and thinking that there's no need to invest or save, always pressume until it becomes late.. foolish people waste money

Even at this our present time it is still happening,we still have this three categories of people in our midst,so which one are you?

You must learn how to save and invest if you want to become rich and successful person in life.
I don't think I spend money foolishly. I spend money and sometimes reward myself with certain things I enjoy, which is a bit motivating. While simply investing and saving may seem like a good thing, it can also be motivating. Earning money and not spending it isn't a good thing, in my opinion. Investing varies from person to person, everyone's perspective on investing can be different, and I have the same thing, sometimes I invest in a month, and sometimes I spend in a month.


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