Most Americans are broke.

A recent Federal Reserve Board study found that 46% of Americans said they didn’t have enough in savings to cover a $400 emergency expense.

A new survey by GoBankingRates.com found that close to half of Americans who make $100,000 to $149,999 a year have less than $1,000 in their savings accounts – and about 18% have nothing in a savings account. (Note that this study measured only money in savings accounts, not other investments, such as retirement accounts – but it’s telling nonetheless.)

To me, that’s astounding. I was raised to be as self-sufficient as possible, which by definition means saving money. Even in my early 20s, I was in the black, stashing away a few bucks each week from my $17,000 annual salary as a newspaper reporter. I needed savings for a rainy day, a new (used) car, an eventual down payment on a house.

As my income rose, I was able to save more – and I started to get serious about investing.

Now, I have plenty of bad habits. But I’m glad one of them isn’t spending every cent I make.

Of course, many folks have trouble saving because they don’t make enough money. But it’s disappointing that people securely in the upper half of the middle class don’t save more. They’re missing out on the opportunity to build wealth through investing – and they’re in for a rude awakening in what should be their golden years.

There’s a better way. You know what it is. That’s why you’re reading this.

If you save, you can invest.

If you invest, you can grow wealth.

If you grow wealth, you have more freedom to focus on what you value in life.

What to Buy Now?

But that begs the question: What to invest in now?

At Investing Daily, we generate smart recommendations based on in-depth analysis. One of them, from the brilliant Linda McDonough, chief investment strategist for Profit Catalyst, is a company whose product is smaller than a grain of sand. Huge tech companies are battling over this technology. It’s changing the way everyone experiences electronic devices, and it’s going to make a lot of people very rich.

And Linda – who made a career uncovering future huge winners for hedge funds – has discovered how we can profit from this minuscule technology.

Click here to find out more.