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Money youve got. How long can you go with the money youre saving and if you dont have must have, if you already know, like the people who responded to this hsbc survey, youre not going to have enough, you got to figure out how to invest in some stocks because you cant make up for lost time without stocks. You cant all be in fixed income or bonds, because there say little bit of inflation. You dont even get enough interest in order to make up for inflation. So youre actually losing money as opposed to growing it. The whole point is time is your best friend. Were saving for shortterm goals like vacation, but we need the more time you have, the more of a mix in your portfolio, and the more money youre going to make in the end. Save for your retirement first over saving for your kids college. Thats what a lot of people dont do. Fidelity says you need to look at it this way, at end of your working career, you need to have saved eight times your Financial Year salary. If you make 100,000 or

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