The public discussion about savings and investment in the media or social media is focused on the wrong issue. The most important point always seems to be where to invest. Which is the hot stock right now? Which is the best mutual fund? And, heaven forbid, which is the hottest crypto? To a young person who has just started earning and is casually observing all this, the entire exercise about investing appears to be about choosing the best investment. This is completely misleading.
