Here’s a coffee break gem: Bill Gates says the secret to growing your money is to “save like a pessimist, invest like an optimist.” Translation? Always keep a rainy day fund handy (think high-yield savings or CDs), but don’t be afraid to put your extra cash to work in things like stocks or real estate for the long haul. The market’s always a rollercoaster, but having a cushion and a plan helps you ride out the bumps. Easy, right? #Business #MoneyHacks #InvestingTips