If you simply followed the S&P 500 this year, you would be up by over 23%. The question is do you want to capture some of these gains by tracking the S&P with an Index fund? Or are you happy for your cash/savings to be eroded away by inflation? Fiat currencies like the pound and dollar are getting debased because central banks are printing 100s of billions and even trillions, to pay off their debts. The solution for you is to educate yourself. The solution is to invest into assets like the S&P 500 or even Bitcoin. If you do this you have a good chance of protecting your financial future. By the way if your getting value from the course material let me know in the comments 👍📈