So...this weekend I spent my time podcasting by..a lot and one particular podcast that was mind-blowing in every sense was Lex Fridman-Safiedean's conversation, specifically the part where they talk about the difference between invest and save. The key point to understand is as follows:
*Money allows you the optionality of saving the most liquid good, the most saleable good, so it’s something that you can sell tomorrow with the least uncertainty — it has the most liquidity, the most ability to be sold without a loss in its value. 
Well, not much novelty this way but there it comes this beautiful piece:
So what do you do? Well, you could invest — and this is kind of the obvious answer that Keynesians will give you, is — well you just put your money in an investment. But investment is different from saving. The whole point of saving is that the thing is liquid and that the thing carries little uncertainty — you just held the gold coin and it just sat there. It did nothing. It didn’t take risk. You knew that it was going to be there in 10 years. Investment means you give the gold coin to somebody to go and do something with it, and it could work it, could not work. If it works you get a positive return, you get more gold back. If it fails, you might not get any of your gold back. So taking on risk is something very different from saving. Saving is just a way of buying the future. Investing is taking on a risk and you could lose everything with it. So what ends up happening — and this is the Keynesian objection I think is very wrong and bad because investment is a job in itself.
Crypto bros are investing, gambling, they're not building their futures, they need to work their money because is weak money: all their VC-backup tokens need to ensure transactions or otherwise, die. While bitcoin hodlers -sadly called maxis 'cuz they're not- the only thing they do is save money. This is where our time preference is lower than most exit-scam VC projects, bitcoin ensures that in the long run your money will be there for you in 5-6 years with the value and very liquid; I'm not say you should not invest, I'm saying that fiat money tought us that saving is unnecessary, you need loans to suvive.
So, remember: always is a good day to start saving your future. Don't mind if is 200 satoshis or 100.000 or 1 BTC, just...start. The rest is pure noise.
My personal approach is investing in non-crypto stuff while harvesting sats/5h1tcoins wherever I can. I'm still not fully sold on crypto so I'm not yet exchanging hard money for it. However, one must diversify sources of income whenever it can be done.
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I'm limited to save money, savings with bitcoins has been the best decision I made so far. I tried to invest but, as a mentioned above, it's a job, a part-time job that requires much harder techniques than what I'm currently doing.
Today, I'm collecting my sats, put it in a offline wallet and that's it. To invest I need to work harder.
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Good approach on harvesting sats, no better money than free money :-P. On the investing part, from personal experience I can tell you that many people that think they can't do it actually can, there's a lot of false mystique around investing. Unless you wanna live off your investments right after starting, you can begin small (both money and time-wise) and work your way up. I have no formal investing education and I can tell you my investing activities have been rewarding so far. What's important about it is to be responsible (it's different from gambling), research your investment targets and keep a cool head at any time.
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Everyday is good day to stack sats :)