It is often said that Savings cannot grow your wealth but my only caveat to this is that you cannot invest unless you have the discipline that comes with savings. The starting point is to work on the culture of putting aside cash that you have and it is recommended that “Do not save what is left after spending; instead spend what is left after saving.”

― Warren Buffett

Once we have put aside the cash, then the next natural process becomes where do I invest the cash. Investing is the process of putting away the cash so that the cash can work for you. When determining where to invest the risk -return profile of the investor and the part of the portfolio plays a key role. So if you are investing the cash that you cannot afford to lose like your emergency kitty you should place the funds in low-risk investments like money market funds while if it is the portion of the portfolio that can take more risks you can experiment and invest in things like stocks and Bitcoin.

In order to maintain the discipline of savings and investments, there are different things that one can put in place:

1. Have a goal towards which one is saving and investing for
   
2. Automate your investments and place standing orders to help one not think about the process every so often
   
3. Choose an accountability framework or partners to keep you in check. This is what the chamas rely on
   
4. Start as early as you can.

My thinking is unless you create the discipline with the little that you have today it shall never be enough for us to start

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