I would say invest. If you save your money, there's minimal to no additional interest returned in holding it. If your company offers a matching 401k, take it. You'll be getting some of it back as an incentive to save for your retirement. You can invest in stocks, ICOs, startups, etc and hope that they do well. Or you can even put your savings into the money market for higher interest returns. It's good to have some emergency cash stashed somewhere, but I don't recommend putting all your life earnings there.
The problem with investing in such programs is that you are betting the economy of the world is going to keep functioning for at least 20 to 30 more years, and there is a collapse of the economic model every 40 to 50 years, so you may be one of the unlucky ones to lose everything if you do that.
Invest in stock, ICOs or any startups, ... these fields are also the investment form. Investment is always risky and it is not the place for you saving money. And you should not to forget the bubble of cryptocurrency and the ICOs. I do not think the cryptocurrency world and ICOs will be alive in long time, maybe, these fields will become stable like Stock market soon.