Enlightenment about investments is gradually increasing, more people are becoming aware that leaving their money in the bank depreciates over time. People are excited to invest their money in profitable businesses that have track records of giving returns on investment. But unfortunately some of these people don't understand financial management especially the low income earners. There's need to understand that before you go into any investments especially the ones that takes long term to be profitable you should understand financial management first.

In budgeting there are basic or necessary expenses like food, rent and essential utilities like electricity. There are also expenses that are not basic but needful, you need your discretion to allocate funds to them. Therefore any allocation of funds from your income that doesn't fall into basic or must do expenses enters into your discretionary funds.

If you want to be investing in Bitcoin, gold, stock or real estate that you will not get profit immediately you need to have a discretionary fund. Example is if anybody's total income equals to their basic or necessary expenses they should forget about investment. There is most likelihood that they will sell their assets prematurely to take care of their basic needs which are essential.

If you want to invest in a long term profitable asset and you don't have a discretionary fund you can do the following. Cutdown on your basic expenses if you can, get a better paying job, get a side hustle, learn profitable skills, do what you can to earn more than your basic expenses.