While blunt, the statement is probably true. Most of us work really hard to earn money and scrimp everywhere to save a portion of it. After doing all these, wouldn't you agree that it is a complete waste to let our savings simply lose its value to inflation? Furthermore, after doing the hard part of raising this capital, shouldn't we make the capital do some work too? Lets consider a fictional case of 4 friends: Lazy Tom, Steady Eddie, Investor Joe and Dreamy Daniel. All 4 friends have 10k of savings sitting around under their pillows but they took vastly different approaches to handling the money for the next 10 years. Lazy Tom, as the name suggests, simply left it there. Steady Eddie rolled his savings in a fixed deposit at ......