[centris]

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I do understand your points, but putting money in the stock market is the +EV move, not a savings account.

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EV stands for expected value. +EV means a decision or activity has positive expected value. Putting money in a savings account is definately +EV. You put money in and then whenever you want to take it out there will be more money there, how can that not be a "+EV move?"

The way you say this it sounds like there is only one +EV move. that is not the case there could be any number of +EV and -EV moves. Putting money in a savings account is definately one of the +EV moves. Putting money in the stock market, it is not clear if that is a +EV move for you.