"A ship in harbor is safe, but that is not what ships are built for."

John Shedd

This applies to currencies (like Dollars, Yuan, Pounds, Euros, Rupees, etc). Keeping your cash safe in a bank account keeps you from losing money BUT that's not what currencies are for.

When you keep your currencies safe, they slowly lose buying power (what you can exchange them for, like food, energy, shelter, etc) until they're worth nothing.

Currencies are a medium of exchange - get rid of them as soon as possible to buy scarce things: stocks, real estate, Bitcoin, gold, and silver.

When you buy assets, they increase in buying power exponentially.