Investing is critical and where the fun begins when looking at financial wellness. Investing is very different than saving in my opinion. Investing is money that can grow exponentially. Saving is money that should collect some interest but does not grow to large quantities. Investing carries risk, which is why the reward is also higher. This risk could be minimized by ensuring you diversify your investments. You do not want all your eggs in one basket.
When you are young you can take more risks. Your money has time to bounce back. You can stay in the game longer even if you lose some money. As we get older, we may not be able to tolerate the same amount of risk and our investments change based on these circumstances. Early on you should have more stocks and very few bonds if any. As we get older that starts to change and at some point, we care more about consistent cashflow.
The right balance of stocks to bonds will always depend on the individual. All people have different risk tolerances. There will be people that are hundred percent invested in stocks. These people are aggressive and this type of portfolio fit their plans. You will then have people who invest fifty in stocks and fifty in bonds. They are more conservative and when looking at their plans this portfolio fits their goals. Investing regularly and often is important. Please just make sure you have your goals set up as your style should fit your plans.