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so it seems like everyone is afraid to invest and is just holding on to cash but is this the right thing to do well if you held a million dollars in cash 20 years ago you would have the buying power of 568 000 today now alternatively if you invested that one million dollars into the S P 500 it would be worth approximately four and a half million dollars right now so what does this mean well holding cash especially in a low interest savings account will lose you money over time what you should be doing is continuing to invest for the long term of 5 10 20 years where youll still be able to battle inflation and to even keep more money back in your pocket with stocks and crypto currently down in the short term right now may be the best time to start dollar cost averaging back into the market to secure those games