New research from The Motley Fool shows that just 62% of American adults invest in the stock market. According to the report, "The top 1% holds 50% of stocks, worth $23 trillion," while "the bottom 50% of U.S. adults hold only 1% of stocks, worth $480 billion."

Understanding the nuances between saving and investing is crucial for financial growth. While saving offers security, investing can provide higher returns. Explore the risks and rewards of each to make informed decisions about your financial future.

Christopher Ruane explains some approaches and potential pitfalls of putting money in the stock market to try and retire early thanks to passive income.