"Calling these non protected investments savings is naive, and the government calling them such is deceptive. "
I guess that means everyone is calling them savings but you.
While the dictionary definition of wealth is connected with affluence—having an abundance of money, Schuchardt says wealth is “about having enough money to be financially secure. The concept of financial security means you are first, financially independent, or out on your own; then financially stable, or able to meet day-to-day expenses; and finally, able to save, invest, and control debt in order to reach future goals that take money to buy, such as a home, a college education and a comfortable retirement.” Schuchardt, a former senior fellow with the National Endowment for Financial Education, suggests these simple tactics:
http://www.utah.edu/unews/releases/04/mar/wealth.html