The Two Thinkers

I have arrived at the conclusion that a person's thinking, in regards to financial situations, can fall into one of two categories: ordinary thinking and smart thinking. You see, an ordinary person thinks to save money. A smart person thinks to invest money. What's the difference? The ordinary thinker goes for the safest bet while ignoring "obvious" issues like inflation and the low-interest rate (a pittance) being paid to you, the ordinary thinker, for saving in that particular bank/financial institution. A smart thinker realizes that the rate of return (ror) is almost always greater by investing; especially in the stock market.