Thank you for your keen comments mam. I just briefly mentioned in my post that the 20% outright savings should be put in a place where it should be inaccessible to you and harder to liquidate. I'm hinting here that part of the savings can be your seed money for investment such as bonds, stocks, mutual funds, etc. That way it earns money for you. That's the second part of savings which is saving to invest. Yes mam I will follow you to get a different insight on financial planning. Thank you for taking the time to read my post. Happy steeming!