- you invest so that your money works for you. Even if you cannot drop your job, you can still live a bit better with extra income.
- Investing is sacrificing something today to get something tomorrow. This is just a definition. You save x today because you want 2x tomorrow or in year or whenever.
- The first step to invest is saving part of your income. No savings, no future.
- If you have credits unpaid (other than mortgages or other asset backed credits), you pay those first because they charge you a lot.
And from here we could start speaking on how are you going to save regularly, if it is going to be 10% of your income, or 5% or 50%, how are you going to learn about investing, etc...
Just to add on the list you provided, invest the money that you are willing to lose. If you see investing as a "chore" or as something that is obligatory, then chances are that you would most likely pull out your investments. Another thing, have a definite time schedule for your investments or at least have a goal on when you should withdraw and cash them out.
Given that the nature of cryptocurrencies are inflationary, its price may skyrocket in the future. Given that this may be the case, it is important to know when you would sell your cryptocurrencies. A lot of people have been HODLing either for short or long-term gains and this would definitely help them in diversifying and allocating their expenses more.