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Wehave been taught to save money our entire life. There are reasons for it. For one, it is important to have a contingency for rainy days. It is a bad idea when we have no cash in the bank to attend to a decaying tooth. It is also a bad idea when we cannot afford the necessities of life.
Keeping it short and simple, we need cash in the bank. Ample cash in the bank pays for necessities. Any excess can be invested to grow the pool.
That is the case for saving money.
At the same time, it is not the only way to think about money. Saving it is one of the ways to manage it. Spending it wisely is another way of managing money. How should we think about the 2 approaches?
We play defense when we save. We are like our mammalian cousins, the squirrels. They observe nature and can deduce that winter is approaching. Hence, they work to save their nuts away in their cozy abode.
It is to protect them from exposure to the cold, and it allows them to survive with the nuts bank just beside when heading out could be uncomfortable. They are protecting themselves and withdrawing to live and fight when spring comes along.
When we save money, we operate like that. We work with what we have.
And that is really it. It preserves today for tomorrow. It does not propel us forward.
