The people you hang around often matter a lot because if they're individuals who lack the mindset of investments, you will be affected massively by it because if you have plans to invest, you will always be discouraged from it because the people you spend the most time with are not even thinking in that line. Relationships can affect thinking patterns.

As good advice from a friend who is very good at investment, if you ever plan to get something new, rather than planning to put your hand into your savings to get that thing, plan to save up for it.