Money is the most liquid asset because it is universally recognised and accepted as the common currency. In this way, money gives consumers the freedom to trade goods and services easily without having to barter. What have you been taught about money? Have you bought a house, an IRA, Wall Street? Your parents, the media, and school have taught you the wrong things.  You don't need to focus on saving, you don't need to be worried about debt, you need to be worried about income.