This is moronic click-bait. If you're a wage slave, take the extra 5% from your employer, it's literally free money even if you can't use it. If you have the s

This is moronic click-bait. If you're a wage slave, take the extra 5% from your employer, it's literally free money even if you can't use it. If you have the sums the author is talking about, keep it liquid to play with or whatever he's advising.