This is the situation I am in. I&#x27;m not savvy enough to make investments that have meaningful or significant returns - so it all goes into a savings account.<p>I have 1 years&#x27; expenses saved and it just slowly accumulates because I don&#x27;t know how to make a safe return on it. I don&#x27;t want to invest say, 3 months savings only to lose it...<p>Definitely the &quot;play to not lose&quot; mentality rather than a &quot;play to win&quot; mentality but I see little reason to change that behavior.