Saving vs. Investing: How to Know When You’ve Saved Enough Money and What to Do Next

Saving money matters, but at some point, keeping too much cash in the bank can work against your financial goals. In this episode of The Table, Anthony O’Neal breaks down how much you really need in emergency savings, why inflation quietly eats away at idle cash, and what to do with the money you have above that number. He explains his three-tier emergency fund strategy, the difference between saving and building wealth, and why fear can sometimes disguise itself as financial wisdom. Anthony also opens up about his own experience hoarding cash instead of investing and why building wealth today is ultimately about creating freedom, security and a stronger legacy for your family.