One should always think on investing if he has more money left after spending for his needs. Actually, what does that mean? His 'cash flow' must be positive. Cash flow is the net amount with you after you spend for your expenses from your earnings. Roughly, calculate it this way, How much are you getting every month (if you are a salaried person, its your salary)? - A How much you are spending every month (It includes everything like food, clothing and every other needs) - B Strictly speaking, (A-B) is your cash flow. Simple, isn't it? Apart from paying for your expenses, you should also have to save for the future expenses. Also, there is a high possiblity that you have some financial goals in your life, like, 1. Buying a car, house, etc., 2. Do marraige for you sister or son or daughter. 3. Financially free over the years to come. 4. Plan to retire soon... 5. Anything that the money can get you, that you can think of! For all the above said things, you will be eagerly wai...