If you don’t know where you are going, every road will get you nowhere. — HENRY KISSINGER - Tony Robbins

First, they could stay in cash, which means they are losing money due to inflation.

If you want to look for obstacles, what’s wrong is always available. But so is what’s right! I am a hunter of human excellence. I seek out those individuals who break the norms and demonstrate to all of us what’s really possible. I learn what those few extraordinary individuals do that’s different from everybody else, and then emulate them. I find out what works, and then I clarify it, simplify it, and systematize it in a way to help people move forward.

If an assemblage of words you’re using is creating states that disempower you, get rid of those words and replace them with those that empower you!