I love this! and even if you can't write you can share your other stuff, LIke art or photography! I agree people should use discretionary income only. When I invested my couple hundred, I had that money in my account. I didn't need to take it off a credit card or anything, But it was extra money I had leftover from paying bills.
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I am from Australia; a lot of people over there took out personal loans when the stock market was doing well years ago.
They would use their dividend checks to have date nights away at hotels etc sometimes, but whatever they did with their money. Many chose not to repay those personal loans . . .
As you can probably guess the stock market had a correction and those people then lost the extra income and were no committed financially. I was just putting these ideas out there so people can see all the risks involved; sort of like a public service announcement : )
/ hugz ; )