Let us assume your subsistence needs are taken care of – a Bauhaus roof over your head, a bouillabaisse simmering on the stove and a brand-new computer in the den – and you have play money worth, say, a thousand dollars in the bank. If it gives you more pleasure keeping it in the bank than if you do what it was designed for – playing with it – there are a number of conclusions we can draw:
A. You are congenitally stingy.
B. Nothing attracts you.
C. You are about to invest it so that the pleasure you get from the expected increase in value will, you hope, give you more pleasure than any conceivable use you can make of it now.
D. You intend to give it to the poor.
E. The government wants you to spend it to lubricate the economy and you don’t agree with its reasoning.
F. You are admirably wise.
Can you think of any other conclusions?
Eric Koch’s book, The Weimar Triangle, is available at Indigo-Chapters and in your local bookstore. 
G. You’re anxious and are hanging on to it “just in case”.
You are not currently visited by the tyrants called teeth, tuition and taxes!
You are not a gambler.
I think I would invest it, but all the other options are good too.