Saving or investing? Both options require money you aren’t using to pay your immediate bills, and both can be used to reach financial goals and build wealth. But which one should you be focused on right now? Well, the answer depends on your current financial situation and your upcoming financial goals.

According to a recent study, the average American carries 17 different cards in their wallet. This can make for over-stuffed wallets, cards easily lost at the bottom of a purse, and plenty of opportunities to misplace that loyalty card you need to get a free breakfast sandwich. Mobile wallets offer a convenient, cashless, weightless solution to all of the plastic you’re toting around.