Norway has the world's largest sovereign wealth fund, worth $1T. The US doesn't have one. Franklin would approve of using it to seed one.

A penny saved is a penny saved is a penny saved is a penny saved is a penny saved is a...

Sooner or later you have to do something with the damned penny!

Franklin liked his beer. I say spend it on UBI (Universal Basic Inebriation).

Investing it means not using it. Plausibly, boosting economic progress by training people produces much greater long-term benefits than putting the money away.