{"id":95,"date":"2026-08-15T17:22:01","date_gmt":"2026-08-15T15:22:01","guid":{"rendered":"https:\/\/www.zambiashares.com\/learn-investing\/?p=95"},"modified":"2026-08-15T17:25:27","modified_gmt":"2026-08-15T15:25:27","slug":"lesson-2-saving-vs-investing","status":"publish","type":"post","link":"https:\/\/www.zambiashares.com\/learn-investing\/lesson-2-saving-vs-investing\/","title":{"rendered":"Lesson 2 \u2014 Saving vs Investing"},"content":{"rendered":"<style>\r\n.zs2-lesson {\r\n    max-width: 1100px;\r\n    margin: 30px auto;\r\n    font-family: Arial, Helvetica, sans-serif;\r\n    color: #374151;\r\n}\r\n\r\n.zs2-card {\r\n    background: #ffffff;\r\n    border: 1px solid #DDE5E0;\r\n    border-radius: 18px;\r\n    box-shadow: 0 5px 20px rgba(0,0,0,0.07);\r\n    overflow: hidden;\r\n}\r\n\r\n.zs2-header {\r\n    background: #008C3A;\r\n    color: #ffffff;\r\n    padding: 30px 35px;\r\n    text-align: center;\r\n}\r\n\r\n.zs2-header h2 {\r\n    color: #ffffff;\r\n    margin: 0 0 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 }\r\n\r\n    .zs2-compare {\r\n        font-size: 14px;\r\n    }\r\n\r\n    .zs2-compare th,\r\n    .zs2-compare td {\r\n        padding: 10px;\r\n    }\r\n}\r\n<\/style>\r\n\r\n<div class=\"zs2-lesson\">\r\n\r\n<div class=\"zs2-card\">\r\n\r\n<div class=\"zs2-header\">\r\n<h2>Lesson 2: Saving vs Investing<\/h2>\r\n<p>Understand when you should save and when investing may make sense.<\/p>\r\n<\/div>\r\n\r\n<div class=\"zs2-progress\">\r\n<div class=\"zs2-progress-bar\" id=\"zs2Progress\"><\/div>\r\n<\/div>\r\n\r\n\r\n<!-- 01 -->\r\n\r\n<div class=\"zs2-slide active\">\r\n\r\n<span class=\"zs2-number\">01 \/ 15<\/span>\r\n\r\n<h3>Saving and Investing Are Not the Same<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n<div class=\"zs2-icon\">\ud83d\udcb0<\/div>\r\n<strong>Saving \u2260 Investing<\/strong>\r\n<\/div>\r\n\r\n<p>\r\nSaving and investing are both important parts of managing money, but they\r\nhave different purposes.\r\n<\/p>\r\n\r\n<p>\r\nWhen you save, you normally keep money somewhere that you can access when\r\nyou need it. When you invest, you put money into an investment with the\r\naim of receiving a future financial benefit.\r\n<\/p>\r\n\r\n<p>\r\nA good financial plan can include both saving and investing.\r\n<\/p>\r\n\r\n<div class=\"zs2-highlight\">\r\n<strong>Simple idea:<\/strong> Save for money you may need soon.\r\nInvest money that you can potentially leave invested for longer.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 02 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">02 \/ 15<\/span>\r\n\r\n<h3>What Is Saving?<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n<div class=\"zs2-icon\">\ud83c\udfe6\ud83d\udcb0<\/div>\r\n<strong>Saving means keeping money aside for future use.<\/strong>\r\n<\/div>\r\n\r\n<p>\r\nSaving means putting some of your income aside instead of spending all of\r\nit immediately.\r\n<\/p>\r\n\r\n<p>\r\nFor example, you may save money for school expenses, rent, an emergency,\r\na business need, a family event or something you plan to buy.\r\n<\/p>\r\n\r\n<p>\r\nThe main purpose of saving is usually to keep money available and reduce\r\nthe need to borrow when an expense arrives.\r\n<\/p>\r\n\r\n<div class=\"zs2-tip\">\r\nSaving is an important financial habit even if you later decide to invest.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 03 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">03 \/ 15<\/span>\r\n\r\n<h3>What Is Investing?<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n<div class=\"zs2-icon\">\ud83d\udcc8\ud83d\udcb0<\/div>\r\n<strong>Investing means putting money into an asset for a possible future return.<\/strong>\r\n<\/div>\r\n\r\n<p>\r\nInvesting means using money to buy an asset that may provide income,\r\nincrease in value, or both.\r\n<\/p>\r\n\r\n<p>\r\nExamples can include shares, bonds, property and certain investment funds.\r\n<\/p>\r\n\r\n<p>\r\nWhen you invest in shares, for example, the value of your investment can\r\nrise or fall depending on the company and market conditions.\r\n<\/p>\r\n\r\n<div class=\"zs2-highlight\">\r\nInvesting provides an opportunity for growth, but it also involves risk.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 04 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">04 \/ 15<\/span>\r\n\r\n<h3>Saving Is Usually About Safety and Access<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n\r\n<div class=\"zs2-flow\">\r\n\r\n<div class=\"zs2-box\">\ud83d\udcb0<br>Money<\/div>\r\n\r\n<div class=\"zs2-arrow\">\u2192<\/div>\r\n\r\n<div class=\"zs2-box\">\ud83c\udfe6<br>Saved<\/div>\r\n\r\n<div class=\"zs2-arrow\">\u2192<\/div>\r\n\r\n<div class=\"zs2-box\">\ud83d\uded2<br>Future Need<\/div>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<p>\r\nOne important reason people save is because they want money available when\r\nthey need it.\r\n<\/p>\r\n\r\n<p>\r\nImagine your car needs an unexpected repair. If you have savings available,\r\nyou may not need to sell a long-term investment at an inconvenient time.\r\n<\/p>\r\n\r\n<p>\r\nThis is one reason an emergency fund can be useful before taking on\r\nsignificant investment risk.\r\n<\/p>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 05 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">05 \/ 15<\/span>\r\n\r\n<h3>Investing Is Usually About the Future<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n\r\n<div class=\"zs2-icon\">\ud83c\udf31 \u2192 \ud83c\udf33<\/div>\r\n\r\n<strong>Give your investment time to develop.<\/strong>\r\n\r\n<\/div>\r\n\r\n<p>\r\nInvesting is generally better suited to money that you do not need\r\nimmediately.\r\n<\/p>\r\n\r\n<p>\r\nFor example, someone may invest money with a goal that is several years\r\naway rather than money needed to pay next month's rent.\r\n<\/p>\r\n\r\n<p>\r\nThis gives the investment more time to potentially grow and also gives\r\nthe investor more time to deal with normal changes in value.\r\n<\/p>\r\n\r\n<div class=\"zs2-tip\">\r\nNever invest money that you know you will need very soon simply because\r\nyou want a quick return.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 06 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">06 \/ 15<\/span>\r\n\r\n<h3>Saving Has Lower Investment Risk<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n\r\n<div class=\"zs2-flow\">\r\n\r\n<div class=\"zs2-box\">Saving<br>Usually more stable<\/div>\r\n\r\n<div class=\"zs2-arrow\">VS<\/div>\r\n\r\n<div class=\"zs2-box\">Shares<br>Can rise or fall<\/div>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<p>\r\nThe money you keep in a savings product generally does not change in value\r\nin the same way that shares can change in market value.\r\n<\/p>\r\n\r\n<p>\r\nShares, on the other hand, can move up and down. This means there is a\r\ngreater possibility of losing money in the short term.\r\n<\/p>\r\n\r\n<p>\r\nHowever, lower investment risk can also mean lower potential returns.\r\n<\/p>\r\n\r\n<div class=\"zs2-highlight\">\r\nThere is no investment that gives high returns with zero risk.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 07 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">07 \/ 15<\/span>\r\n\r\n<h3>What About Inflation?<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n<div class=\"zs2-icon\">\ud83d\udcb0 \u2192 \ud83d\udcc9\ud83d\uded2<\/div>\r\n<strong>The same amount of money may buy less in the future.<\/strong>\r\n<\/div>\r\n\r\n<p>\r\nInflation means that the prices of goods and services generally increase\r\nover time.\r\n<\/p>\r\n\r\n<p>\r\nIf the cost of everyday items rises, the purchasing power of money can\r\nfall.\r\n<\/p>\r\n\r\n<p>\r\nThis is one reason some people consider investing for long-term goals.\r\nThey hope their investment return can help their money grow over time.\r\n<\/p>\r\n\r\n<div class=\"zs2-highlight\">\r\nInvesting does not automatically protect you from inflation. Returns\r\ncan be negative, and every investment has its own risks.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 08 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">08 \/ 15<\/span>\r\n\r\n<h3>A Simple Zambian Example<\/h3>\r\n\r\n<div class=\"zs2-example\">\r\n\r\n<h4>Imagine You Have K10,000<\/h4>\r\n\r\n<p>\r\nSuppose you have K10,000 available.\r\n<\/p>\r\n\r\n<p>\r\nYou may need part of this money for an emergency or an expense coming\r\nsoon. Keeping that portion available as savings may make sense.\r\n<\/p>\r\n\r\n<p>\r\nIf another portion is not needed for several years and you understand\r\nthe risks, you could consider whether investing is suitable for your\r\nfinancial situation.\r\n<\/p>\r\n\r\n<\/div>\r\n\r\n<p>\r\nThe important lesson is that you do not have to choose between saving\r\nand investing for every kwacha.\r\n<\/p>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 09 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">09 \/ 15<\/span>\r\n\r\n<h3>You Can Save and Invest at the Same Time<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n\r\n<div class=\"zs2-flow\">\r\n\r\n<div class=\"zs2-box\">Income<\/div>\r\n\r\n<div class=\"zs2-arrow\">\u2192<\/div>\r\n\r\n<div class=\"zs2-box\">Savings<\/div>\r\n\r\n<div class=\"zs2-arrow\">+<\/div>\r\n\r\n<div class=\"zs2-box\">Investing<\/div>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<p>\r\nSome people think they must completely finish saving before they can\r\never invest. That is not always necessary.\r\n<\/p>\r\n\r\n<p>\r\nA person may build savings for short-term needs while also investing a\r\nportion of money intended for longer-term goals.\r\n<\/p>\r\n\r\n<p>\r\nThe right balance depends on income, expenses, emergency savings,\r\nfinancial goals, time horizon and risk tolerance.\r\n<\/p>\r\n\r\n<div class=\"zs2-tip\">\r\nYour financial situation should determine the balance between saving\r\nand investing.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 10 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">10 \/ 15<\/span>\r\n\r\n<h3>Do You Have an Emergency Fund?<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n<div class=\"zs2-icon\">\ud83d\udea8 \u2192 \ud83d\udcb0<\/div>\r\n<strong>Emergency savings can help when unexpected expenses happen.<\/strong>\r\n<\/div>\r\n\r\n<p>\r\nLife does not always go according to plan. A medical bill, job change,\r\nvehicle repair or family emergency can create an unexpected expense.\r\n<\/p>\r\n\r\n<p>\r\nAn emergency fund is money kept aside for such situations.\r\n<\/p>\r\n\r\n<p>\r\nWithout emergency savings, a person may have to sell an investment at\r\na bad time or borrow money to cover an urgent expense.\r\n<\/p>\r\n\r\n<div class=\"zs2-highlight\">\r\nBefore taking significant investment risk, consider whether you have\r\nmoney available for important unexpected needs.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 11 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">11 \/ 15<\/span>\r\n\r\n<h3>When Might Saving Make More Sense?<\/h3>\r\n\r\n<p>\r\nSaving may be more suitable when the money has a short-term purpose or\r\nwhen you need easy access to it.\r\n<\/p>\r\n\r\n<ul>\r\n<li>Emergency expenses<\/li>\r\n<li>Rent or household expenses<\/li>\r\n<li>School fees due soon<\/li>\r\n<li>A planned purchase in the near future<\/li>\r\n<li>Money you cannot afford to lose<\/li>\r\n<li>Short-term financial goals<\/li>\r\n<\/ul>\r\n\r\n<div class=\"zs2-tip\">\r\nIf losing the money would cause a serious problem, think carefully\r\nbefore putting it into a risky investment.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 12 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">12 \/ 15<\/span>\r\n\r\n<h3>When Might Investing Make More Sense?<\/h3>\r\n\r\n<p>\r\nInvesting may be considered for money that you do not need immediately\r\nand that you are prepared to expose to some level of risk.\r\n<\/p>\r\n\r\n<ul>\r\n<li>Long-term wealth-building goals<\/li>\r\n<li>Long-term financial planning<\/li>\r\n<li>Building an investment portfolio<\/li>\r\n<li>Participating in company ownership through shares<\/li>\r\n<li>Potential long-term investment income<\/li>\r\n<\/ul>\r\n\r\n<div class=\"zs2-highlight\">\r\nInvesting is not automatically the right choice for everyone or for\r\nevery financial goal. Understand the investment before committing money.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 13 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">13 \/ 15<\/span>\r\n\r\n<h3>Saving vs Investing: Quick Comparison<\/h3>\r\n\r\n<table class=\"zs2-compare\">\r\n\r\n<tr>\r\n<th>Saving<\/th>\r\n<th>Investing<\/th>\r\n<\/tr>\r\n\r\n<tr>\r\n<td>Usually for short- or medium-term needs<\/td>\r\n<td>Often used for longer-term goals<\/td>\r\n<\/tr>\r\n\r\n<tr>\r\n<td>Usually easier to access<\/td>\r\n<td>Value may change<\/td>\r\n<\/tr>\r\n\r\n<tr>\r\n<td>Generally lower investment risk<\/td>\r\n<td>Usually involves greater investment risk<\/td>\r\n<\/tr>\r\n\r\n<tr>\r\n<td>Focus on keeping money available<\/td>\r\n<td>Focus on potential growth or income<\/td>\r\n<\/tr>\r\n\r\n<tr>\r\n<td>May have lower potential returns<\/td>\r\n<td>May offer higher potential returns with higher risk<\/td>\r\n<\/tr>\r\n\r\n<\/table>\r\n\r\n<div class=\"zs2-tip\">\r\nNeither saving nor investing is automatically \"better\".\r\nThey serve different purposes.\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 14 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">14 \/ 15<\/span>\r\n\r\n<h3>Three Questions Before You Invest<\/h3>\r\n\r\n<div class=\"zs2-visual\">\r\n\r\n<div class=\"zs2-flow\">\r\n\r\n<div class=\"zs2-box\">1\ufe0f\u20e3<br>Do I need<br>this money soon?<\/div>\r\n\r\n<div class=\"zs2-box\">2\ufe0f\u20e3<br>Can I accept<br>the risk?<\/div>\r\n\r\n<div class=\"zs2-box\">3\ufe0f\u20e3<br>What is my<br>goal?<\/div>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<p>\r\nBefore investing money, ask yourself three simple questions.\r\n<\/p>\r\n\r\n<p>\r\n<strong>First:<\/strong> Will I need this money soon?\r\nIf yes, investing it in a risky asset may not be appropriate.\r\n<\/p>\r\n\r\n<p>\r\n<strong>Second:<\/strong> Can I accept the possibility that the investment\r\ncould fall in value?\r\n<\/p>\r\n\r\n<p>\r\n<strong>Third:<\/strong> What am I investing for?\r\nA clear goal can help you think about how long you should invest.\r\n<\/p>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- 15 -->\r\n\r\n<div class=\"zs2-slide\">\r\n\r\n<span class=\"zs2-number\">15 \/ 15<\/span>\r\n\r\n<div class=\"zs2-complete\">\r\n\r\n<div class=\"zs2-complete-icon\">\ud83c\udf93<\/div>\r\n\r\n<h3>Lesson Complete!<\/h3>\r\n\r\n<p>\r\nYou now understand one of the most important foundations of personal\r\nfinance: saving and investing are different tools.\r\n<\/p>\r\n\r\n<p>\r\nSaving can help you keep money available for short-term needs and\r\nunexpected expenses. Investing can help you pursue longer-term financial\r\ngoals, but it involves risk.\r\n<\/p>\r\n\r\n<div class=\"zs2-highlight\">\r\n<strong>Remember:<\/strong><br>\r\nSave for money you may need soon.<br>\r\nConsider investing money you can leave for the longer term and whose\r\nrisk you understand.\r\n<\/div>\r\n\r\n<p>\r\nThe right decision depends on your own financial situation, goals,\r\ntime horizon and ability to handle risk.\r\n<\/p>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<div class=\"zs2-navigation\">\r\n\r\n<button type=\"button\" class=\"zs2-btn zs2-prev\" id=\"zs2Prev\">\r\n\u2190 Previous\r\n<\/button>\r\n\r\n<div class=\"zs2-counter\" id=\"zs2Counter\">\r\n1 \/ 15\r\n<\/div>\r\n\r\n<button type=\"button\" class=\"zs2-btn zs2-next\" id=\"zs2Next\">\r\nNext \u2192\r\n<\/button>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n<script>\r\n(function() {\r\n\r\n    const lesson = document.querySelector('.zs2-lesson');\r\n\r\n    if (!lesson) return;\r\n\r\n    const slides = lesson.querySelectorAll('.zs2-slide');\r\n    const nextButton = lesson.querySelector('#zs2Next');\r\n    const prevButton = lesson.querySelector('#zs2Prev');\r\n    const counter = lesson.querySelector('#zs2Counter');\r\n    const progress = lesson.querySelector('#zs2Progress');\r\n\r\n    let current = 0;\r\n\r\n    function showSlide(number) {\r\n\r\n        slides.forEach(function(slide, index) {\r\n\r\n            slide.classList.toggle(\r\n                'active',\r\n                index === number\r\n            );\r\n\r\n        });\r\n\r\n        counter.textContent =\r\n            (number + 1) + ' \/ ' + slides.length;\r\n\r\n        progress.style.width =\r\n            (((number + 1) \/ slides.length) * 100) + '%';\r\n\r\n        prevButton.style.visibility =\r\n            number === 0 ? 'hidden' : 'visible';\r\n\r\n        if (number === slides.length - 1) {\r\n            nextButton.style.display = 'none';\r\n        } else {\r\n            nextButton.style.display = 'block';\r\n        }\r\n\r\n        lesson.scrollIntoView({\r\n            behavior: 'smooth',\r\n            block: 'start'\r\n        });\r\n    }\r\n\r\n    nextButton.addEventListener('click', function() {\r\n\r\n        if (current < slides.length - 1) {\r\n            current++;\r\n            showSlide(current);\r\n        }\r\n\r\n    });\r\n\r\n    prevButton.addEventListener('click', function() {\r\n\r\n        if (current > 0) {\r\n            current--;\r\n            showSlide(current);\r\n        }\r\n\r\n    });\r\n\r\n    showSlide(current);\r\n\r\n})();\r\n<\/script>\n<h1>Saving vs Investing: What Is the Difference?<\/h1>\n<p style=\"text-align: justify;\">Saving and investing are two important parts of managing money, but they are not the same thing. Understanding the difference is one of the first steps towards becoming a more confident investor.<\/p>\n<p style=\"text-align: justify;\">Saving means putting money aside for future use. You may save for school fees, an emergency, rent, a family need, a business expense or something you plan to buy. Savings are generally meant to remain available when you need them.<\/p>\n<p style=\"text-align: justify;\">Investing is different. When you invest, you put money into an asset such as shares, bonds, property or an investment fund with the aim of receiving a future financial benefit. The value of an investment can increase, but it can also fall. This means investing involves risk.<\/p>\n<p style=\"text-align: justify;\">Imagine you have <strong>K10,000<\/strong>. You may need some of that money for an emergency or an expense coming soon. Keeping that portion available as savings may be sensible. If another portion is not needed for several years and you understand the risks involved, you may consider investing it for a longer-term goal.<\/p>\n<p style=\"text-align: justify;\">You do not always have to choose between saving and investing. Many people use both. Savings can provide a financial cushion for short-term needs, while investments may help with longer-term goals.<\/p>\n<p style=\"text-align: justify;\">In this lesson, you will learn when saving may make more sense, when investing may be considered, why an emergency fund matters, how inflation affects purchasing power, and how to think about your own financial goals.<\/p>\n<p style=\"text-align: justify;\">The most important lesson is simple: <strong>save money you may need soon, and only invest money you can afford to leave invested and whose risks you understand.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saving vs Investing: What Is the Difference? Saving and investing are two important parts of managing money, but they are [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[8],"tags":[],"class_list":["post-95","post","type-post","status-publish","format-standard","hentry","category-money-investing-basics"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"ZambiaShares.com","author_link":"https:\/\/www.zambiashares.com\/learn-investing\/author\/invstzmadmin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.zambiashares.com\/learn-investing\/category\/stock-market-learning\/money-investing-basics\/\" rel=\"category tag\">Money &amp; Investing Basics<\/a>","rttpg_excerpt":"Saving vs Investing: What Is the Difference? Saving and investing are two important parts of managing money, but they are [&hellip;]","_links":{"self":[{"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/posts\/95","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/comments?post=95"}],"version-history":[{"count":0,"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/posts\/95\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/media?parent=95"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/categories?post=95"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zambiashares.com\/learn-investing\/wp-json\/wp\/v2\/tags?post=95"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}