I m strongly agreed with @muraykbesiroglu. As savings are much needed utility of a human life. I am self example of myself as i started earning very soon in my life saved a lot but can't controlled my expenses and also my savings didn't retained so much . After 16 years now i feels that if my money got invested for so long period i am somewhere else from my this time position. From my experience i think one should invest good from their starting time of earning and controlled their unnecessary expenses. One should invest in equity, crypto ...both are good options