From Frugasaurus …
You must Invest your savings or you’ll miss out. Invest your savings or the big, bad inflation monster will gobble them up!!! Invest, invest, invest. That seems to be all we ever read in certain parts of the personal finance blogosphere.
And it is true, investing is one of the chief ways of growing your wealth long term. But the simple truth of it is, we don’t have the majority of our savings in the market because we don’t have a terrible lot of savings to begin with.
So while we are not struggling to make ends meet, we can’t put 90% of our income towards savings or investments either. We just don’t have that kind of disposable income to throw around.