If you are going to spend some money, what I'd recommend more than anything else is that you invest in some well-made window locks for your house.

如果你打算花钱的话，我最建议你为你的住宅买一些制作精良的窗户锁。

youdao

Think how much more Americans would be worth if beginning in 2005 they had been allowed to invest some of their Social Security payments in personal retirement accounts instead of having Washington spend it.

FORBES: Washington: Out of Tune With Growth