You don't build wealth by saving. You do it by investing using leverage. The system subsidises debt and risk-taking (within limits) by inflation and the structure of the tax system. You need to let go of the idea that it is immoral.
Buy a house and when you can buy a bigger house. Put your money in the growth part of the stock market (technology ... big names like Apple and Amazon is good).
Use your income to take on more debt; do not save cash as it will be taken from your via inflation, tax or now negative interest.
Buy a house and when you can buy a bigger house. Put your money in the growth part of the stock market (technology ... big names like Apple and Amazon is good).
Use your income to take on more debt; do not save cash as it will be taken from your via inflation, tax or now negative interest.