Buddy, in my opinion you need both money and investment. For that you can do one thing. Invest 70 percent of your income in some investment platform or in real estate platform and the rest 30 percent, hold it has liquid cash . You can put that in some bank or something like that. Advantage of holding cash is incase of any emergency or something like that you don't have to ask any person for money . If you have sufficient amount of liquid cash with you , then you can consider investing 100 % of your income in some investing platform. Because holding money in your hands wont help you to increase it.