Oh thank you, yes, in point number 3 of the note is meant to ensure that money continues to grow during each of these steps, what should be done is to save but for the purpose of investing that money later. However, it is also mentioned that the money from these accounts should not be used even in case of emergencies. That said, the businessman Grant takes the excess money from his savings to invest in companies that he recognizes that he will not take advantage of them and therefore represent a loss of investment, so it is going to bank broken due I do not use the money initially saved to invest in good companies.