Buy Assets, Not Cash: Holding Little and Investing More Is the Smart Choice

Cash savings will always lag behind assets, due to the seigniorage effect.
Holding little or no cash, and continuously buying more assets, is the better choice.
Asset comparisons are made in terms of relative purchasing power, not nominal numbers.
Numbers only exist to quantify things more intuitively.
If you want to learn:
Think through comparing different assets, evaluating different buying approaches, moving toward position management, risk management, and even quantitative hedging.