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Correlation between saving and investing
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[QUOTE="Jasz, post: 227352, member: 61772"] The relationship between saving and investing is complex. By and large, the more you save, the more you're able to invest. However, there are a number of other factors to consider, including how much you've saved in the past, your level of debt, your income stream, and even your outlook on life! For example: if you have a lot of debt, it can make sense to invest what little savings you have so that you can increase your income (and therefore decrease the debt-to-income ratio that lenders look at when evaluating your creditworthiness). But if you don't have any debt, it makes more sense to save money by keeping it in cash-equivalent accounts like savings or checking—and then invest what's left over. In general: the ideal balance between saving and investing depends on your personal financial situation. The more risk-averse you are, the more likely it will be that you want to keep most of your money in cash equivalents instead of putting it into stocks or bonds. On the other hand, if there's an opportunity out there that really appeals to you but requires some capital up front as an investment (like starting a business), then exploring options for raising funding through investors might be worth considering. [/QUOTE]
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