@Shray Patel, in making your decision, you need to consider all of the assets you have at your disposal.

People can discuss clipping coupons, buying soon to expire meat and bread, 2nd hand clothes, dumpster diving, yard sale bargain hunting and creative ways to re-purpose broken furniture thier neighbors are disposing of.

I am typically on the road most of the year so that hinders my real estate investment, but it also allows me the disposable income needed for most real estate investments.

Find the hungry young agent working in a team for an NRBA member and you may find a person willing to work their tail off to help you who has a wealth of help and knowledge at their disposal.

I saw people spending all their disposable income on alcohol, cigarettes, and at the casino.

When wage levels are chronically low, businesses eventually suffer because there is a direct correlation between wage levels, disposable income and spending.

You can PM me for information or call I'd be happy to give you all the information I have at my disposal.

Disposable lifestyles and consumerism are a big problem.

I use some of my W-2 disposable income to acquire properties with my business partner(s) - I don't have the time nor desire to BRRRR - this is not consistent with the time demands from my W-2 employment;  if I did BRRRR, I would lose money by the decreased revenue from my W-2 job from the time and effort BRRRR would take for me. 

Disposable income is very alluring, you can get new clothes, get a new phone, buy stuff for your hobbies.