they will always say they can't afford to save or invest... investing is about a mindset - not how much you put away - those who say they cant afford to save or invest will be saying the same thing next year and the year after that...I was saving when I had very little so put away - but instead of mojitos, car stereos and tattoos - I saved up my money and invested when I found the right opportunity - the money that those investments earned were used to invest in even more opportunities... peopel who make more money than I do tell me that they cant afford to invest - meanwhile.... they are going on vacations, running up credit cards, and depleting their resources buying stupid shit and eating expensive fast food.