The money supply is being manipulated to your disadvantage unless you are hyper educated in finance.
That's why the poor get poorer, and the rich get richer.
Inflation is theft. The government steals from you, so that they can do things that they know you'll vote against.
They inflate the money supply, which leaves the same number of dollars in your bank account, but gives them some of the buying power (that should be yours).
The right way to think about 2% or 3% inflation is the government saying, "Look we're going to steal 2-3% of your money without having to ask you for it, without having to make it an official tax. We are going to take it from you. Because we do that, saving money doesn't serve you because your money will be worth less tomorrow than it is today."
So you have to go gamble, which we're lovingly going to call "invest". You're going to have to go gamble that money to try to make a return that is greater than the amount that we steal from you.