I wouldn't interpret save as keep it in a low-risk low-rate vehicle, but to not spend it. Investing is a form of savings. That said, keeping a certain amount of money in a liquid safe vehicle is also a good idea so you have f–ck you money/what if the economy crashes or there's a global pandemic and I lose my job money. In your twenties you should, at the very least, max out your 401(k) and/or IRA options and have that all or mostly in index funds (I can remember analysis paralysis when I first saw the investment options in the 401(k) when I was young and ended up not investing at all. None of the information in the literature was helpful at all. My short-form advice: look for a low-cost index fund. You're not going to beat the market unless you're lucky and even if you are lucky and you're not going to be consistently lucky. People whose job it is to figure this out never consistently beat the market (and most underperform index funds in the long run), and neither will you.