The second worst excuse for not actively investing your money is “I dont know how.” And the worst? “I don’t have time.” Why would any sane person not spend a bit of time to learn about investing? All of us want a passive income! All of us want to retire early! But to really live the YOLO lifestyle, you need to have some money at your disposal. Depending on your tolerance for risks, there are plenty of things in which to invest - from unit trusts, equities to real estates or cryptocurrencies. Key is to start small, fail fast, learn fast and continue investing.