People don't understand the difference between savings and investments. Saving and investment play different roles in your plan and future. If you don't understand these it will make you unhappy in your life and about money and it doesn't work for you. Like you expected.

What is Saving ?

Savings is the money a person has leftover when they subtract their consumer spending from their disposable income over a given time period. Savings can be used to increase income through investing.

What Is an Investment ?

An investment is an asset or item acquired with the goal of generating income or appreciation. Appreciation refers to an increase in the value of an asset over time. When an individual purchase a good as an investment, the intent is not to consume the good but rather to use it in the future to create wealth. An investment always concerns the outlay of some asset today—time, money, or effort—in hopes of a greater payoff in the future than what was originally put in.