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In simple economies, there is little distinction between savings and investments. One saves by reducing present consumption, while he invests in the hope of increasing future consumption. Therefore, a fisherman who spares a fish for the next catch reduces his present consumption in the hope of increasing it in the future. Most of the people probably have savings accounts with ATMs to access their hard-earned cash and be able to store away any extra cash in a place a little safer than a mattress.