“Everyone knows the key to building wealth is through saving and investing” begins one of those newsoid articles that internet portals use to pad out their pages. Written by God knows who at the behest of God knows what financial institution, the opening line at least has the merit of ditching that ridiculous myth about how hard work is the key to wealth. The lie put in its place is that investing money is the key: “investing” is what is really meant by people who talk about “saving” and how the state and your employer is going to screw you over with a starvation pension when you retire. You can place your trust in your employer, the state or a banker gambling what’s left of your savings after deducting his administration fees on the stock market. Some choice!