I think it’s important to understand that saving will never bring the same returns as investing in the long term. Interest will always be the most powerful with a lot of time. If you think of a savings account as a good emergency fund for cash, you still need to get the long term increase in your financial portfolio. So you definitely need an investing strategy and realistic plan.

There are always many options but the important thing to do is find the one that works for you. If you get too much risk and you don’t sleep at night, with too little, you don’t accumulate all you want. There has to be a middle road for investing so depending on where you are will indicate where your middle road presently is. For some of us, the leading edge methods of forecasting and creating wealth will be our comfort zone, for others, a simpler and rudimentary approach would feel better. Find your present position and plan your road from there.