Life is like a wheel. Sometimes you are up; the other times you are down. It is not always sunny days, as dark days sometimes take over.
Take for example your job. It can happen that you will lose it, either because you did not perform well or the company is having an economic difficulty that they have to retrench or declare bankruptcy.
Therefore, you have to be smart and think about your future. Think about saving money while you still can, so that you will survive any crisis that will come and will remain financially stable and worry free.
The question is: Are you going to invest in stocks, save your salary in a bank, or invest in gold?