1. Your friend says, "I have some extra money, but I'm not sure if I should save or invest it." What key questions would you ask your friend to help them figure out what to do?

1. What is the advantage of investing early for retirement?

1. If investing can bring higher returns, why should you put money in a savings account at all?

1. What 3 tips would you give someone who is about to invest their money for the first time?