To be a little more precise, we'll be answering this question based on the current situation here in the United States. From research studies, the American inflation rate increases by 2% every year, thus making savings a terrible option for entrepreneurs. As an American entrepreneur, if you want your business to grow financially, you must at all times render 30% of your net profit to savings, 61% to investment and the remaining for 8% for spending or leisure purpose. And when attempting to invest in the United States, you should do so in either the stocks, bonds or real estate, as they will ensure better conversion rate than saving money in your savings account, which will most certainly catch up with inflation, thus, reducing the value of your money. So there is no fixed time to save, spend or invest, instead of as an entrepreneur, follow the above stats and watch out for signs like in stocks that will either need you to invest or withdraw. What's more critical in entrepreneurship is in doing the right thing at the right time, like in saving when you should, knowing where and when to invest, and having a clue of when to spend