What should you do with extra cash when markets feel shaky? In this episode, we break down why your savings rate is the real engine of wealth, and how understanding the purpose behind your money brings clarity to every financial decision. You’ll learn why market downturns can be golden opportunities, but only if your foundation is solid and your timeline matches the risk. We also share how investment certainty grows with time, helping you shift your mindset from fear to long-term confidence.

Key takeaways:

• Know your savings rate and aim for 10–20% of total compensation.
• Build financial stability before pursuing market opportunities.
• Match investment decisions to your money’s purpose and timeline.

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.