Most people lie. It is common knowledge that you should only invest what you can afford to lose, but many decide to take the risk and get caught in a difficult situation. Also people lie about the amount they invest. I doubt many people invest more than 5% of their monthly salary on a regular basis, but plenty claim to invest up to 50% of it. Don't believe everything you read, and invest according to your personal situation. If you can afford to invest more and are willing to take the risk, go for it, and don't let someone else's priorities and/or advice affect your decision. On the other hand, you don't need to invest on a monthly basis, throw a bit more in as and when you have the funds to do so. Everyone's situation is different, pay no attention to anyone else's.