The whole money and investment topic is one that is really dicy.
For example, over here in Nigeria we have struggled with corruption and unemployment for so long that we have always tried to create jobs for ourselves as much as possible. We have always relied more on menial jobs than we ever did on the government. A lot of people rely on what they earn daily to survive. That's why the lockdown was really disastrous over here. But I am glad it made a lot of people look beyond the day to day and consider the right steps to take for the future.
As ridiculous as this sounds - in some way Nigerians are better off than most of the world - you have relied on yourself for so long already. A lot of the world has relied on others for so long, they can no longer do much themselves. It is a weird perspective, I know.