If you tie your income and your savings together, you're not saving for a rainy day. A rainy day will wipe you out. Ever heard the investment advice "diversify

If you tie your income and your savings together, you're not saving for a rainy day. A rainy day will wipe you out. Ever heard the investment advice "diversify"? It's recommended because it's mathematically provable that you can achieve the same income with lower risk by diversifying away the co-variances between your different income streams. In the same way that it's nice to go to the market and buy the phone you prefer, the car you prefer, the milk you prefer, etc. you should make investments that are right for you too from among choices.