Looking at the returns of savings vs investing in the market, you can see simply putting you money in savings and waiting 30 years is not going to cut it. For instance right now, the best high interest savings account is around 2.45%. If you put $5,000 in savings at 2.45%, then you will have $10,335 after 30 years. But investing that same $5,000 in the market at an average 7% you will end up with $38,061. That's almost 4 times as much. However, if you had put $5,000 in the market 30 years ago today you would have around $111,000 based on the average return of around 10.9%.