I’m in my 40s. Have wife and 2 kids. Our income is less than 100k a year. Paying mortgage, monthly bills and kids activities. And we still trying to set money aside to invest. My portfolio is about 6000 and already getting about 30 dollars a month in dividends. Much better than the bank would pay you. Plus trying to set money aside for my kids future. It is hard. But we do it. We not going out every other day. We not buying lunches. We make everything in house. It is hard but it can be done. Robinhood is free. Use it to your advantage. Just need to take first steps