[Hack&Lube]

I dabbled in economics and finance in University but this is not my profession and I am the furthest thing from an expert. I don't believe in MPT but I do believe that it is each individual's perogative to invest wisely and manage their investments wisely. There is risk around every corner but that's life. I'm not suggesting people effectively gamble their lives away with high-risk investments or throw everything into portfolios or rely on fund managers to make their decisions for them.

I would personally never want my money to sit idle, but I'm fairly conservative in how I use it as well but I do want to be hands on with it and proactive with it. It's a nice thought that people could be having their savings remain at a stable value, but money won't make itself and if it sits idle in low-interest accounts, it will just lose value slowly with depreciation