The Illusion of “Saving”
Most people think saving money makes them secure. It doesn’t.
Uninvested money loses value every year, quietly eaten by inflation.
If you’re keeping your “emergency fund” the same size for the past 3 years, it’s actually shrinking.
Here’s a better rule:
  • Keep 3–6 months of expenses in cash.
  • Everything beyond that? Give it a job: invest it, automate it, or move it to a vehicle that grows faster than inflation.
Money that just sits, dies. Money that moves, grows.
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Joseph Smalzer
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The Illusion of “Saving”
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