Saving

02What People Think

"If the number doesn't fall, I haven't lost anything."

03What’s Underneath

Keeping money readily available can make sense for an upcoming bill or an uncertain month. Its job may be access, not maximum growth.

But a stable cash amount and stable purchasing power are different things. Interest can add to the balance while rising prices reduce what that balance buys.

The purpose of the savings changes the trade-off. Money needed shortly has less time to recover from a market loss than money intended for a distant goal.

04The Game

Is this money being kept for access, protection from a specific expense, or growth over time? One account may not serve every job equally.