Here’s another way you could be hurt by confusing saving and investing.  Let’s say you are trying tosave up for a down payment on your dream home.  You know that the interest rate you’ll get on a savings account is downright pathetic so you decide to invest your entire stash in the stock market.  And then the stock market takes a nosedive and all of your savings disappear into thin air.  Bye-bye dream house.
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