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Let me give that to you why you need to invest. Let's go back to 1995. It can of soda cost 35 cents. 30 years later, it cost $2.50. That's an increase of 614%. That's what we call inflation. Prices go up over time, which means dollars lose their purchasing power. How does saving panel? This is the consumer price index and the savings rate. Going all the way back to 2009. The Fed targets 2% inflation because prices going up is normal. But the rate that you would get if you were to put your money in a checking account or a savings account didn't even reach half a percent, which means when you save, it protects your money but not its value. This is the S&P 500 going back all the way to 1975 until present day. The stock market's up 30%, 20%. There's more good years than there are back years. But if we were to take the average, annually the S&P 500 returned 10.65%. That is better than inflation. Investing grows your money. You know how finance experts say, let's assume 10% rate of return. That's where it comes from. It doesn't mean that the stock market consistently gives you a 10% rate of return. There are ups and downs. You are stepping on a roller coaster. You are accepting that risk. If you deposited $100 a month for 20 years, you would deposit $24,000 total. But through the power of compound interest where your money makes money, you would have made interest of over $51,000 and have $75,000. You want to invest for future you because nobody wants to work until their 90s. So time in the market is so much more important than timing the market. You would have consistently added $100 a month during downturns and during upturns. That is why you should invest. Comment your questions. You know what buttons to it to follow along.