One problem people have with saving and investing is going all or nothing. Consistency is key and going all in actually hurts being consistent because it's not sustainable. All or nothing is a terrible way to play the game, especially if you understand that risk is just way to say people were burned by this in the past. Just set aside an amount that doesn't hurt each month and put it into investments. If you are young, a portion of that can and should go into risky, volatile investments like crypto. 15% is the average for people in their 20s. Now, be consistent with that investment and keep a reasonable time horizon to not touch it (MINIMUM 5 years) and you'll be doing 100x better than most people. REMEMBER portfolios of dead people outperform the living because we are just way too emotional ;).

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Assets ALWAYS outperform money because the way money isn't backed by anything so you are right to want to invest and grow your money. "Blue chip" Crypto (bitcoin, ethereum) are currently creating one of the greatest transferences of wealth in human history. Then why do people say crypto is a scam? well. 98% of crypto goes to 0. Only invest in stuff that has passed the test of time unless you have a CS degree and can vet what is real and what is copy paste. People. say it's too late are likely never going to invest, even though network usage on ethereum trends upwards. anything that is growing fast is worth investing into. Look at the fundamentals and invest in stuff that already has value and is growing and you'll be fine in 5 years :).