Saving vs Investing : Everyone wants to be the genius investor who would beat the market and turn a small amount of cash into a fortune. We continuously search for “ multi-bagger “ in our investment portfolio ,unfortunately it's pretty difficult to do that and hard to achieve “Alpha “ by most of retail investors. That's OK because as an average retail investors , we hardly could outperform the market continuously to achieve financial independence. Alternatively , consistent saving over time is much more likely to pay off than complicated investments or strategies such as timing the market , momentum trading or trend following investing strategies have a high probability of failure, but saving always wins. While saving and investing go together like left and right hands, accumulating money through savings is the main mechanism that makes investing work. “The only way to build wealth is to have a gap between your ego and your income......