Most people think the biggest risk to their retirement is a market crash. However, it’s often much quieter than that — it’s the money that never makes it into the market in the first place.I’ve sat across from plenty of families who did everything “right.” They saved consistently, avoided debt, and lived within their means. And yet, when we looked at the numbers, they were behind. Not because they made bad decisions, but because they relied too heavily on saving and not enough on investing.Understanding the difference between saving versus investing isn’t just academic. It can directly shape your ability…