The goal is to hold on to your cash while making it grow less risk. Most people worry about others taking their money away from them. They are concerned that the government will take too many taxes. Thieves could steal their credit cards. Their employer could lay them off the job. Those are realistic concerns, but most of their money is lost by their own consumerism. The biggest financial risk is that you will earn money but spend it on things you do not need. As shocking as they may sound, it’s true. If you want to have more money, start spending only on things you really need versus stuff that you simply want. You’ll have less clutter and more cash.