Investing is a necessity so that someone can get a better future than today, but investing must also be accompanied by good financial management, so that you don't experience difficulties in the present because you prioritize investing for your future. never use all the money you have to invest, also think about how you will get through your day, if the investment you make makes it difficult for you to live today then you are making a big mistake, if you have a long term investment plan then think of it as your savings.
Exactly as you said it here but the present expenses /savings and investment depends on the individual's financial discipline ,because both of them are actually vital for human existence . The discipline here as used on the passage stands for financial self control and the rate at which an individual will be able to control his present resources and at same time plan for the future because there is a saying that goes thus,( yesterday is history ,tomorrow is a mystery ,but today is a gift and that is why is called the present). This actually implies that both the present and the future are important but the ability to discipline yourself financially will make your future brighter therefore savings and investment determines your future .