You don't have investments

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.and no.. the apartment or house you live in, is not an investment.

No matter how small, learn, understand and experiment with investments. An investment is something that will make you more money than you put in. These are split into 2, active investments and passive investments.

Active – you invest money and time in your own business.

Passive – you buy an apartment and rent it out.

Day-trading is an active investment – if you can do it well -, while buying index funds is a passive way.

If you've never looked at how other people make money or are unfamiliar with these concepts, you're probably not gonna be rich.

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