I have had conversations that linger long after they’re over. One question I hear often is: “With three degrees and a background in finance, what are your real thoughts on money?”
Here’s the thing – money is tricky. Keep it and it rusts. Invest it and it risks. Somewhere between those two extremes is where most of us live — trying to figure out what actually makes sense.

I am not a financial influencer. My work touches money, yes, but I am not here with formulas or get-rich schemes. What I have learned is this: finance isn’t always about numbers. Sometimes it’s about perspective.

I saw this when I was cribbing to my engineer friend while learning Python. She told me, “You’ve just started — of course it feels like gibberish. It’s not rocket science, but until the basics click, it won’t make sense.” Later, when she asked me about finance, the roles reversed — and she felt the same way.

The Big Question: What Do I Do With My Money?

We all face it. You have saved some funds — now what?

• Put it in stocks and hope it doubles?
• Leave it at home so you can “see” it?
• Buy gold because your grandmother swore by it?

None of these choices are risk-free. Stocks crash. Cash at home loses value. Even gold — yes, prices rise, but what about liquidity? If you suddenly need money tomorrow, can you get it easily? And let’s not forget scams.

Risk vs. Rust

To me, keeping money idle is like letting it rust. But investing means facing risk. And without some risk, building anything meaningful is tough.
So we sit between two worlds: the older generation urging “buy gold, keep it safe,” and the younger crowd saying “invest, spend, live for today.” Both have a point — but neither is complete.

No One-Size-Fits-All Answer

Here’s what I know for sure:

• Don’t blindly follow your cousin, parent, or some flashy influencer.
• Don’t ignore your money either — leaving it untouched isn’t a plan.
• Be open, keep learning, and experiment responsibly.

Whether you save, invest, or spend, do it intentionally. If you choose safety, own that choice. If you choose growth, remember it takes time and patience.
Because money, at the end of the day, isn’t just about where you put it. It’s about why you put it there.

Final Word

Finance isn’t rocket science, but it can feel like gibberish until the basics click. The real lesson? Don’t look for a one-size-fits-all formula. Instead, find the balance between risk and rust that makes sense for you.