If you’re trying to set financial goals, one of the most immediate decisions you’ll probably be confronted with is deciding between savings vs. investing. There’s a lot of conflicting advice out there when it comes to how to prioritize your money. The truth is, you can do both saving and investing at the same time, but you’ll want to do so strategically so that you have your money available when you need it. Here are some scenarios to help you get an idea about whether to put your money in a savings or investment account.

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