How to invest when you don’t have any money?

You’ve probably heard it countless times: to build wealth, you need to invest. Invest in shares, invest in businesses, invest in real estate, and so much more.

But how do you invest when you don’t have money?

People say money can help you make more money, but it’s a different story when you have none.

What if I told you that investing is possible even if you don’t have any money to invest right now?

Investing is the only way to secure our future and, most importantly, to beat the rapidly rising inflation each year.

People with money invest money, while those without money invest time. Yes, TIME!

Not everyone who lacked money waited for a miracle. They invested their time to earn money. Now you can invest your time in anything that can help you generate income.

  • Working in a job
  • Learning a skill that is in high demand.
  • Freelancing (If you already possess a skill)
  • Learning about shares, bonds, real estate, and other investments.
  • Educating yourself financially

It’s like trading your time to earn money. Initially, everyone did it.

I did the same when I started out with no money. I worked various jobs, from IT to food delivery to e-commerce. Over time, I mastered a skill (Digital Marketing) that allowed me to earn extra income through freelancing.

I worked from 10 to 5 and also did freelancing on the side. I began saving early because I understood the importance of investing, but I was uncertain about where to start.

I made several foolish decisions where I spent all my savings, but I learned valuable lessons from those mistakes.

That’s when I realized the importance of educating myself about money and finance. I began investing in books, courses, and mentorship to learn more about investing.

Until now, I had been dedicating my time to earning money. Gradually, I began investing little by little, progressing step by step. My initial choice to invest time in earning money has now enabled me to earn even more by investing money.

The crucial step is to begin. Whether you choose to invest time or money, that decision is yours.

Don’t waste your time doing nothing, because one day you may find yourself with neither money nor time.

Invest your time to earn money

Invest money to buy more time.

Invest time to learn about money and investing.

Invest money in acquiring assets to make more money.

I understand the process may be lengthy, but it’s the only way to build wealth.

Have you started investing your time or money in anything yet? This could be learning a new skill or investing in the share market or anything.

Let me know your thoughts in the comments below.

36 thoughts on “How to invest when you don’t have any money?”

  1. Rakesh chaudhary

    Dear sir,
    Good morning, this is rakesh chaudhary, I want learn from you about digital marketing. Let me know how can I start, to be honest I zero from every angle.

      1. hi sir, i have corresponded to you earlier and motivated by your success story n innovating mind. I want to invest time to earn my living. To be honest i am quite innocent in this field. How can i get somewhere in this sphere of idea?

  2. Ravi Kishan Yadav

    It’s really the one that matches with my real life, where i m seeking for platform and time but getting nothing. It’s appreciable and preservelance focus requirement on this platform, i want your hand to hand support if i m getting more ideas to expose and build myself on this platform. As i have time but no money, even needs to think for what to have on morning nd what on evenng.

    1. You have the most precious asset my friend i.e. TIME. As I have mentioned in the article, invest your time to maybe on a job so that you get a fixed amount every month. On the side, start learning a skill that has the high potential and demand in the market. It doesn’t happen overnight but you need to start at some point and that is right now Ravi.

  3. I really don’t have but whenever I try to learn about digital marketing people always say With 0 investment you can’t gain anything and I always have fear to that I am not able to do but Now my thoughts are clear 😔

  4. Tanu Chaudhary

    Dear sir
    I am Tanu Chaudhary.l also want to learn digital marketing from you to become sellable in the market and
    also to work as freelance.I do not know anything about digital marketing I need your support to learn this skill

  5. You really open the closed door through your article Saugat Sir! Time is a precious for everyone, and how you invest it shapes the path of your life. I am investing my time learning new skills in digital marketing to unlock some exponential benefits.

  6. I’m getting your emails since you just started your journey. Before I used to ignore your messages because I didn’t know I would end up here someday. But now I’m regretting the decisions I made. Now I have nothing neither money nor time. I will be looking forward to work on my skills thanks for this email❤️❤️.

    1. Thanks for sticking with me from the beginning Ratish. I hope you’ll manage more time to upskill yourself because that’s the first step to become wealthy in future.

  7. Ghanshyam Khadka

    Yes it’s great article sir. I want to learn digital marketing but i can’t target what to do or i can’t find specific target for future because I’m interested many thing like technology, health and fitness, fod, travel and education. Can i learn digital marketing? It helpful for me?

  8. If you can arrange the workshop on Saturday, that would be great for professional people who are interested as on Sunday timing at 6.00 pm cant be managed being at office. I registered once and missed it already due to same reason.

  9. Suman Kumar gupta

    Thank you so much sir but I want to ba a yoytuber. Can you help me to find a successful YouTuber?. I am trying to make yoytube video but my videos are not going to viral

    1. Yes you can choose a career to be a youtuber Suman. For that find something that you are really passionate about that you can share with others. With that topics you can start creating videos on YouTube. This is a slow process but definitely worth it.

  10. Aashish lawati

    Hello saugat sir namo buddhaya
    I want to learn more about earnings without investment because I don’t have any money to invest

    1. Hello Aashish. There’s many videos on YouTube that you can go through to learn. The process will be slow since you have to figure out everything on your own but you can learn if you invest your time.

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