There are many ways to attempt to increase discretionary income, yet I would not presume to know the details of other people, since sometimes people might be in a trap in terms of their own skills and abilities and even their age or their health situation or even their past mistakes...or their geography... Sometimes there will not be many opportunities, and maybe a person might already having certain job and/or family circumstances that also might restrict his abilities to increase discretionary income...
Yes sir, Independence in investing is certainly foreign to beginners.
The independence I mean is certainly looking for discretionary income apart from their main job. However, the only thing that makes them fail to implement it is their limited skills, but that is not an obstacle because if they try there is a way to get additional income.
What caught my attention more was the way some investors relatively chose to borrow money from the bank to invest. I think borrowing money from a bank with collateral certainly has a risk if one day we are unable to pay it off, it will ruin our entire investment journey.
That's why I don't like to force myself to achieve targets that may be earlier in the investment journey that I have planned. I am more focused on allocating 10% of my income and additional salary bonuses if I get them. Focusing slowly may be better for me because we are more focused without being pressured by any situation.