>If you don't have cash to spare thinking about investing isn't what you should focus on but instead doing basic financial wellness like having a savings accoun

>If you don't have cash to spare thinking about investing isn't what you should focus on but instead doing basic financial wellness like having a savings account. There are an incredible number of reasons why they might not be able to invest right now so perhaps it isn't the best thing to immediately goto implying they don't even have a savings account.