How can I invest if I don’t have money right now? To follow up on my recent posts about saving, investing, and specifically real estate investment, I want to share a story with you. Some years ago, I met a Mozambican woman who had moved to Portugal after a divorce, determined to rebuild her life in a new place. In her home country, the government used to offer land to anyone willing to build their own house. The population was poor, and the local economy relied heavily on natural resources, agriculture, forestry, fishing, and similar sectors. Young people would receive a plot of land from the state and start building their homes gradually, phase by phase, according to what they could afford. When possible, they would buy a few bricks and begin laying them—always as a family, with the couple and anyone else willing to help. No matter how long it took, they held on to the dream of having a home of their own, and they made it a reality step by step, at the pace of their savings and ava...