Exactly, I agree, in addition to everything you mention, having a good accumulation of savings, allows you to pass difficult economic situations, also allows you to take advantage of favorable investment point also, that is, imagine that an asset in which you want to invest falls by 50% if you have a good savings rate you can take advantage of this opportunity, the same in real estate investment, if you have the savings you can make the purchase at key moments, it also generates a sensation of peace in general