'Jane Barratt, founder and CEO of GoldBean, in New York City, began to invest because she realized that she was earning good money but spending it all, and that she was making money for others rather than for herself. She explained:

“I took a look at my own spending habits and bought stocks accordingly. My first was Apple. The iPod had just come out and I could see that it was so different it was going to shake up the category. I bought $1,000 worth of Apple, and sold it a year later for $2,000. I don’t regret it at all, that first win gave me the confidence to continue to learn, and use investing as a second income stream.”

The example above shows a necessity of pedagogical explanation. For earning good money but spending it all strictly isn't making money for others rather than for herself as the spending provides the utility as underlyng that satifies her own want as well as the return on investment as regards Apple. Thus the whole issue here lies in the idea of cost of opportunity. That is in making the choice to invest in share rather than to buy now something else she has somehow postponed consumption. Therefore investment can be explained as a form of saving and it does not follows that spending means making money for others otherwise strictly investment is likewise making money for others.