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What are the things differ from mindset of common man with investor,please share your thoughts.

IMO,investors never want to take loans for their consumption like home loan,car loan,etc then just save money and will buy the things for their needs but common man like you and me will buy the things immediately when we get the desire of it using loans but we are paying 20% of interest to those kind of loans.

Is common man the best to use or non investor  ??? ;D

The scenario you gave for a "common man" as you pit it is not to be general saying because, some people who are not investors are also careful in their spending and not using loans for frivolous things.

This do pertain when it comes on purchasing things yet there were investors that do took loans to make investment too.The difference is that they do have investments that they can rely on to pay up those debts or loans rather than to those people who do took loan without any assurance of side income for them to get for them to repay.Also investors are aware of risk-earning potential of businesses so that's why they do know how to handle up their finances as well.

Common man also do investments that is why I don't want to mention non investors.

I'm here to talk about what most people do not for the very few who were cautious about what they were doing.

Most get into loan traps and end their life as being poor.

That's the sad reality. Common joes aim to book large gains very quickly and therefore discard the risks involved, which is very stupid. They don't think about paying back their debt, that comes after they lost it all.

I'm not really keen on financial institutions preventing people from investing in crypto with credit, because they should also prevent them from legacy forex brokers, but at least people are protected against themselves now.

People could withdraw their credit through an ATM and then deposit the money on their bank account and then wire it to an exchange, but I'm quite sure that these people aren't that clever to think of this themselves.

Not all of those common man will do that.

They might not be an investor but most of the people do know what they are doing. I don't take loans since I know that that will just be a nuisance to me. Instead of doing that, I plan ahead, I save some extra money I don't usually use so if there is an emergency, I can use that saved money.

I also disagree with your statement, in my opinion the major difference has to do with their money mindset. What they consider to be assets and liabilities. While an investor is all about making the profit, a common man or non investor (to be precise) is just about surviving. He doesn't care about investing his money for profits, all he's concerned about is how to put food on his table, survive the next day and life continues.

Using method of talking a loan to differentiate between them isn't that appropriate as they both can take loan for self satisfaction although the investors will only apply for that loan because he needs it while the common man will do the same but because he wants it.

Th difference? Very simple, the investor is business minded while the other one is not. The edge of an investor is that he let's his money (capital) run and work on its own to gain profits. On the other hand, ordinary people chase the money instead, they work and work for a living. To sum up, an investor saves time and effort while earning from good to huge amount of money while the other one just have an isolated amount of money depending on hthe salary that his profession can offer, plus, he is more fatigued.

So if you are currently having a stable job, don't feel confident because getting older is inevitable. Invest some of your savings and make it grow :).

A common man that doesn't have intensive knowledge about investing will look into it as something risky. This is the problem of most common people that are not open with investing. They don't want to take risk and that's why they stay where they are and happy with their comfort zone.

An investor is saving money to invest while common people save money to save.

Investing mentality has a focus on wealth accumulation, utilizing factors like passive income and compounding interest.

The majority of market participants look for short term gains, and if their outlook is not immediately realized, get quickly upset and make irrational decisions.

Minimizing emotional instability and making mathematically sound decisions is the first rule to become a strong trader and investor.

I think Investor always try to put his capital and earn a lot on the other hand a common people always frustrated if he make loss after investing his capital. However you need to have experienced before invest otherwise you will see loss always .An investor always learn on the basis of project or business where he plan to invest .A common people make his money idle and one time he just lost his money survive .Everyone need to be a investor to rise yourself .

The thing you said was right,it do really differs with peoples mindset on how they do make themselves profit in such possible ways.Investors mind will always look up for ways on accumulation and methods that would increase its holding even more not only on recent or current profiting but also they do target out for leverage too.

Emotion does plays a big factor with these investing field yet anytime it can mess out your entire plans.

Thanks, and you raise a great point as well. Equity management is a huge factor influencing profitability.

As important as controlling risk, it can be argued it's also vital to move in & capitalize your full resources when you see a strong opportunity,
including using leverage where a highly attractive reward to risk ratio would justify it...

I wouldn't divide people into normal and investors based on their loan taking hbits. Not taking a loan if you can avoid it is like a rule of thumb for most smart people. It's the same when it comes to saving up. You do it when you can and you learn to recycle things you're not using. Most smart and wealthy people that I know wake up early, don't work for someone else but for themselves, never allow for expensive things to lay around. When they are no longer using something they sell it. They don't waste stuff and always look for the best deals. They research stuff before doing it.

I'll give you an example of one of my rich neighbours. When he was building a house he didn't do anything and hired people for even the smallest jobs, but a day or 2 before they were supposed to come and install something, pour concrete, whatever, he studied the process, had plans ready, supervised everything. He could go read a newspaper while the workers do their thing, but he kept on standing there and watching to make sure it's all as it should be. Always be like that guy.

you have to differentiate between investing in some business and to invest into a commodity or asset and living on interest
these are two different types of investments IMHO , also investors do take loans to reinvest , this is why there are so many bankrupcies around
I never take a loan , especially seeing that the interest I have to pay is simply outrageous
same with investing money , only risk what you can lose , do not go all in and wait for a miracle
I know people who tried to commit a suicide after losing their life savings with rogue "investment" funds , do not repeat their mistakes
expect to lose your money , treat the funds that you invested as lost - this way even if the worst happens you will be prepared
 

Judging from the definition alone it has actually been seen that ordinary people are people who do not understand about investment, risk, opportunities while investors are people who have understood it all. So investors can think more critically about what they will do, investors usually will not take unprofitable decisions in the future. I think that is a simple difference.


Well I also agree with you that ordinary people will continue to work, work and work they don't think about the future and only think about what is needed now. Like the story in this video https://www.youtube.com/watch?v=Y_OHKzrdVVQ

The common man sacrifices the future for the moment.
      The investor sacrifices the moment for the future

An investor is not someone who just buys a lot of shares or cryptos , it's someone who actually takes into account everything that is going in the market and then makes an investment choice according to the time ...

Where as a common man may just hope for big money and do aimless gambling investments , they cannot be called investments since they don't calculate anything regarding it , they are gambling... hoping for the best.

I think investor will take any opportunity to gain money with
Investors always try to get their money working to gain more money, with real passive income
Investors try to avoid waste of money with non essential stuff

On one hand, you are right, but on the other, you can never be too sure of our employees. Hiring someone to supervise the work will mean a wage for him and another employee to check and worry about. My neighbor is rich and retired, time is something he can spare. If you want something done right, do it yourself is one of my favourite quotes.

Investors never have retirement!

Sure he can cut of more wage by supervising himself but if he can spare that time into making more profits he is going to pay the wage from the part of profit and hold the remaining for him.It is okay to lose 10 dollar while we are making 100 dollars at the same time which is the mindset of true investor in my opinion.

You have clearly stated the difference between both of them mates, so I don’t think you need any further answer. If you see any investor taking loan, they are strictly taking loan to multiply their investment, and would never take loan like common man as you said. We can also not blame a common man, because taken loan is a necessity sometime, without that loan, they will not be able to meet up with the need that arises around them on that particular time of taking loan.

Imagine that I have children in school which you and I know that there is no way my salary can ever be enough to foot their school bills and at the same time foot my house bills, so we result to take loan. The only people that are lucky to leave their life off loan are people that are good at businesses or opportune to have capital to set up business, and not that they dint take loan, they just don’t take loan for person things.

I think common man is not as bad as it is made to be here, when you are talking about common man you think of something like a cave man, regular common man is usually a white collar worker that makes a salary and some of them make enough to put a bit aside and blue collar which is usually too different from each other, some blue collars make not enough to live and some make a ton of money, even in the same job like a car mechanic could be super rich or super poor depending on where and how well they are doing their job.

That is why lets not bury the common man that much neither, yeah we are definitely superior in ideology because we can see how crooked the system is and we are trying to change it but they are not morons neither, everyone focuses on making more money because they know wealth gives you freedom.

I would rather name the two the rich and the poor (though not all) or businessman and ordinary man. The first usually don’t spend their money based on impulsion or just because they want to, there must always be objectives for their spending. They spend more on something that would give returns like investments but ordinary people just spend anyhow. As long as it pleases them or they like something even if not needed they will even take loans to be able to buy it. Businessmen are not afraid of risks while ordinary men would not even try because they are already thinking of the risks. Businessmen are more open to possibilities while ordinary people are closing their minds without even trying. (I’m not generalizing here)

I liked it.

It's true that a common man can be easily tempted and spend all of his treasures just for a single moment of happiness. An investor will think intellectually and spend wisely for the betterment of his/her future.

So we consider ourselves as an Investor since we invest time so when the moment comes, it'll brighten up our future.

A true investor IMO has these characteristics:
•Optimistic no matter what happen to the market
•Always think for his future
•Will risk what he can afford to lose for something that he thinks has a potential
•Doesn't stop learning in growing his asset
•Most likely thinks different from others

On the other hand, a common man IMO has these characteristics:
•Doing things for his needs and wants
•Somehow has a doubt for himself
•Somehow believes that you only live ones so just enjoy it
•Just go with the flow

I hope you are misunderstanding huge institutional investment firm since the normal investors are common people with who are salaried, i cannot imagine a world where only institutional investors will invest in anything and if that is the case the stock market wont be that high, the so called common man if educated enough will find opportunities to multiply his savings in safe harbor and that is where mutual funds and stock market and now the cryto market comes into place and the common man invest according to his skill level and understanding of the market or will hire someone to take care of his portfolio.

I think the main difference is the fact that the investor is not happy with how much money he has and the common man is. Right now the biggest mindset is that we all know the fact that in this life if you do not have enough money you are just another statistical living thing and you have absolutely no difference in human history then a pet dying, maybe some people mourn you after you die (though people mourn pets too) but in the end 200 years later nobody will even know you existed, how many people remember their great great grandfather right now?

Almost close to zero unless he was a known person. That is why if you want to make a name for yourself you have to be rich, you have to be powerful and that power comes from money most of the time. Hence we are not happy with what we have and we want more.

I fall for the common man I guess, I immediately get what I want and it is because I loaned it, I don't have the patience of waiting and saving money for what I want. Sometimes I get the help from others including my family, (Dad and Mom), they are supportive and gives me the money whenever it is worth spending for, like in business. The nice thing is they don't charge me with interest, good deal right?

The common man splurges too much and doesn't think long term. The investor tries to make financial decisions based on increasing his money over the future.

This is common with many people but do you know what a wise person would really do in your position, he would have all those money that you use in buying those things because they would only be a liability to you and not an asset, I am not saying that liability is also not okay to buy sometimes, but that would be when you already have an establishment and you have investment that will always bring the money for you to continue to maintain and service those liabilities.

One thing I use to tell my younger ones is that there is always a time for everything, it is better that you suffer now and enjoy at your late time than to enjoy now and then suffer at late time, and one of the way to suffer now is to sacrifice some of those things for investment.

Not exactly. An investor knows how to leverage debt. If they know they can earn much more from what they are using the debt on, they'd take it. The "common" people get in debt for things that don't put money in their wallet.

It's like buying a $300 worth of tablet and software and using that to create art for sale versus buying $300 worth of the latest fashion items. One earns you money the other doesn't.

You're wrong because there are many investors that also take loans for investment and other purposes. Actually in my knowledge and understanding common man that you have said and the investors are the same in some things like investing,buying and purchasing of some materials. The difference between this two are investors mostly focus on how to get money or to have a huge investment but the common man are those people that are satisfied of what they have and mostly investing are not their priority in life.

Most likely investors knows the risk involved and learn how to mitigate it, while casuals joes will put their money and invest without knowing the risk and then complain when they have lost so much money. The difference is education as a smart investors knows when to quit and doesn't gamble but then chase the next big investment platform, get out, rinse and repeat.

Average investors on the other hand, still thinks that he can get out with a profit, prefer to stay on an investment when obviously it is not doing good and hope that it can recover soon. But we all know that once your investment plummet, it's better to take the lost and move on.

Only if it were so simple. Indeed, a loan taker sacrifices the future for the moment, but not all investments are successful ones in the long-term. You can think that you are sacrificing the moment for the future while, in reality, you can be just throwing your money away.

However, I absolutely agree with the OP regarding taking loans for buying things (which you, probably don't need, btw) right now and paying huge interests to the banks in the future. Think twice before doing that, because it can be the road to modern slavery.

Not all of them though.

There are a lot of people out there that is not even an investor but they know a lot of things they should do and not should do. To be honest, I don't even know what is the requirements or a classification of a person to achieve that kind of being an investor, can anyone explain that?

The main difference is the financial education and how a person works and handles money. Common man views money as a spending potential while an investor sees it as growth potential. If we talk about the majority, not everyone is like that

Totally agree with the bolded.
Whether one is spending or investing has to do with choice and does not require one to be a 'common man' or 'investor'.
If one choice to be poor in the years to come, its a simple choice by being lazy and spend recklessly and if they chose not to beg in the years to come, they work hard for it and learn to measure expenses. They don't go about terming themselves anything; it's all about how they live their lifestyle.

It will matter ones decisions.It might not be easy but this will vary on persons experience towards investments.If hes already experienced enough on how things goes or works

then most probably they do have the edge compare to other man that do investing.Opportunity hunting will not be seen anytime if a certain investor doesn't know how to differentiate it.

For those that are taking loan not for the purpose of investment, do you think that they are really happy taking such loan? Nobody will be in his clear state of mind to just take loan to buy liability, but they have no choice than to do that because that is the only way that they can pay for those liabilities that are very necessary which their salary alone would not be able to solve.

Everyone knows that loan is best to be taking when one needs to invest in it but what can they do, that is why we have minimal loan and heavy loan in my country, and that is also why financial institutions has also classifies loan to either to be business loan or a private loan, I believe that before they give loan too, they will ensure that the person will fall into the category of their loan.

Admit it or not,most of us are spending more than the amount of our salary and this is the reason why we tend to be poorer and poorer.But for those investors they are able to control their money and put it into investments wherein they have all the chances to double or triple their capital after their investment had succeeded.

Many of the investors I met for the past several years have to take loan first before they start investing. Most of them lacked funds but determined to try their luck in business so they resorted to take a loan from the banks or from someone who can afford to loan them. Taking a loan to use in their investment are risky but many of their business are now profitable and they able to pay loan gradually. I think it is important to use a loan only when you are really sure on how to run the business that you planning to invest.

A great investor chooses assets than liabilities. They will put considerations about the future returns. For example, an investor will buy a car to use in a business or buy an apartment to be rented. Know the risks of investments and decide wisely.

Meanwhile, a common man will choose liabilities instead. Taking loans, buy things that will not gonna benefit him in return. Know the risks but hastily decisions were made.

We see common people are not investing in anything because they use the money to buy what they need. But if they can think about their future, I am sure that they want to split the income that they get and then they can use it to buy the investment. Many people don't know about the real reason why the investor still invest their money in many things because they don't have much information about the investment and they still busy to search more money from another source.

I think putting money in work so that your money could work and make you more money is the biggest difference.

Common man works himself and makes money with his work, investor puts his money to work and makes more money thanks to it, that means the more money you have the less you have to work, of course its not going to be instant but that is the roadmap.

You start off with whatever amount you have, you keep working on your regular job to keep making money but eventually you put aside lets say 50 bucks (the smallest I can think of) and then that makes you like maybe 1-2 dollars a year, then you save up more and put another 50 bucks and that makes you another 1-2 dollars a year too, as you can see its too small to realize or even care, as long as no emergency required you keep doing that for a long time and eventually you will have thousands of dollars in some investment that gives you enough to never work again.

taking loans vs not taking loans is not the difference between investor and everyday Joe.
There are many stupid people who take those small loans and then get trapped for very long time periods,just because they want a new phone or shoes.

Also investors do take loan and many ! The whole stock market is based on those who take loans and then invest in stocks, this is why stocks are strongly correlated to FED interest rates.

All investors were common men once, don't forget that. It's the moment when you decide to take the step further that decides.
People that want to become investors need to have good feeling for risk, ability to think quick and with cool head and make quick and bold decisions. Also to be able to recover fast and get on the feet again after a loss or bad investment. These are some characteristics that differ investor from a common man.

I am asking what is the classification, not what an investor aims.

There are a lot of things an investor can be and they are not always running their money, they are also using their time, their knowledge, their experience to invest. A teacher can invest his or her knowledge to his or her students for their better future, a person can invest their time to know something out of reading or maybe listening to someone. There are a lot of investors we are talking that is why I am asking what kind of an investor we are talking since all of them can fit into one. Confusing? Yes.

The biggest difference is investor usually is the man who has enough money to put aside and invest into something whereas common man never has enough money to survive. I don't know how that is the case and if some people are really not making enough to live with the income they have but in the end they are not really making enough to live maybe because they do not have enough salary to live or maybe they spend more than they should on stuff they should not spend money on.

Whatever the case for the common man they are not putting any money aside for the future hence they will always have to work, as long as they keep working they are usually fine and may have bad days or good days but in the end they will never be rich however investor man will have a high chance of making a ton of money.

The main difference between investors and common man is only there mindsets. Investors all time think about how can they make money and common man don't. The common man usually try to spend there income instead of invest it and investors invest in any real estate or other places and make it double or more and enjoy profits.

besides that investors do not like to save or save fiat money, they prefer to place their assets in investation, while the general public will feel proud if they have savings with a lot of balance in the bank

Because they found that real value of Fiat money e will not be stable when you are holding it only way to make more money is by just making return of your investment that can be done by lot of waste but never think depositing your money in the bank will give profit to you because the inflation rate will kill the interest from Bank.

There is no man that would not think of how to make money in this life, you have to understand that there is still a difference between a common man and a lazy man, we have so many common men that are very hardworking, they can work to get paid, but they just don’t have the zeal for investment.

Let us just see it this way that most investors have business drive while a common man does not have business drive, and aside business drive, they don’t go or do things that will expose them to investment, but they would rather prefer to sit in that office where they will just be paying them salary at the end of the month, so I think common man too will always think of money, but how to spend the money with them rather than multiplying it is what they are always thinking.

Then I am also part of being an investors.
I never did want to loan even with just a small percentage of interest.

It is an addictive method and a lot are brought down by it. It will be better to just save money and pay it full in cash basis which is perfect since you will have any problem afterwards.
With loans being there, only those who own the loaning company will be making profit while you are paying them interest which should have been added to profit but not.

Even that isn't a guarantee. Currently with so much debt circulating in the financial market, it's literally a matter of time before it implodes in the face of the issuers of the debt.

The smartest and most manipulative financial institutions will be able to hedge against this and sell a large portion of their debt to other (financial) institutions, but there will always be more victims than winners when everything comes down at the same time. Profits are privatized but the losses are socialized. The tax payer will be forced to pay for this mess. Very clever.  ::)

Once you take your first loan, you will end up sometimes paying the interests accrued on the initial principle for a long time because everytime you default,  they rise the rates once again. It's better to save up no matter how long it takes than to take a loan and pay interests which really sucks.

Taking loan does not stop you from being an investor, I recently was opportune to take a loan of $10,000 to be paid within 3 years with an interest rate of 5%,  the purpose of taking this loan is not to buy TV in my house, or even take part of it to feed myself, but the reason why I took that loan is strictly to establish business, and sometime if you don’t take that step, you may never move forward if you are to bank the establishment of such business on savings.

If you consider the income you get and how long it would take you to be able to raise such amount of money with the bug responsibilities at hand, you may never be able to raise it at all, so in this case you take the loan to invest which makes you investors already and not a common man.

Just like you said investor mindset not think to buy something using loan for common lifestyle, they buy only when they need. They buy something that return value in the futures. Investor also not influenced by trend when an investor want to invest to something they will learn and research about that. Investing using loan is bad option for investor, except investing on land or gold.

The fact is investors take loans to invest but not taking any loans to be considered as conservative habit from putting our future into any kind of financial risks.

Loaning company literally called as banks that is why we call them that they are making money out of thin air.

Take loans only if the ROI from the investments will be more than the interest rate need to be paid for the banks.

But there are instances which you wont really have any choice but to get some loan just for you to make investment.
Saving up for long term will just waste up your time specially if you do see some good opportunity to make profits.
For sure you will consider on taking the risk because you do see some possible profitability.

I have an opinion that common man, in general, will not take risks if that is not certain, because they prefer to work rather than taking risks to invest. while investors, they prefer to take risks, and a different path from ordinary people. In addition, investors also have a lot of consideration and analysis. because of this, I feel that more people have become successful investors, compared to common people.

I would support such "common man" in his way of life. Unfortunately, this is not the case with many "common people" today. They are not just working and make their living with that, but they are taking loans(see what OP is saying) with the need to pay huge interest in the future, making their life miserable.


Good investors owe their success to the ability of proper money management. They are not good just because they are ready to take risks.

Investment does really require some good mathematical skills and should be wise to know on how things do work.You can eventually see the advantages
if you invest or just simply save up your money on bank or on idle state. Sometimes we do need to risk to earn something but if you do like to play
safe then its your choice.

An investor keeping aside his emotions, is mostly going to view things with a financial point of view, focused on how to make profits. Good investors basically are too planned, viewing everything with reference to their future value. With a common man, mostly emotion is where they are lacking due to lack of experience. If they ever get into investments, they enter with no prior management or analysis. But I feel that few common men who are good in research do excel with a careful sound behaviour .

Common man was forced to do something about his financial situation, that is why we have so many people doing risky investments and what not, hell even the reason why people are getting scammed so much as well because they are forced to do something about their situation.

Nobody has enough money to live anymore, there are very few people who can live with their salary, maybe CEO's are living a good life but right now regular people are having hard time surviving on their wages and that forces them to find a way to make more money in order to have a better life that is not barely living. 90% of all people in the whole world is basically in a state of "surviving" instead of "living", they have enough money to cover for basic life needs like food and shelter, things that are regular stuff back in the day became luxury over time.

There is nothing for a common man to risk if he does not work for it, at least before you can even consider investment, you must have had some money with you either through savings or loan, and I want to believe that before an investor became an investor, he was once a common man also, and before the opportunity came for him to become an investor, he must also have exhibited all the features of a common man and I am sure that at one point too, he may have even borrowed money to pay for that his child’s school fee, so there is always time for everything.

It is not so easy to get money for investment, and before the opportunity comes you see people would have already taken loan to stay alive for that opportunity to come.

I wouldnt also compare normal investors to crypto investors, Most investors outside do invest in what they understand but most investors in ICOs realized they dont know enough to invest in this space. A better investors must have completed a cycle of bear and bull market to get the better of the next phase/space. The sad thing is that it might be very difficult to lure any investor who lost in the last cycle into the space again

Real investors acquire funds to gain more funds, the strategize and analyse how to go about the profit even before obtaining any loan, but normal man obtain fund to satisfy their pressing needs and may end up without positive gain and as you have said, will still have the interest to meet up. Most common men aim to impress in a short time as they spend more on liabilities.

investors are businessmen, who think of strategies so they can get profits that can develop the companies they build to employ common people. besides, the biggest thing that distinguishes the two is the way they think about business. I think the common man will think of things that benefit them, without any risk. it can be done by working.

   Investor has experience, common man needs to learn a lot, to make few investments and than to become investor. Difference between common man and investor is
experience. We all start as common, what ever you choose to do, in this case investing and trading, you need to learn about it, practice it and only than to become
successful in that area.
    Successful as investors is measured in profit you make. More you make more successful you will be.

An investor is definitely a risk taker and does not give up easily even if it means losing at first. He knows that he will make good gains if he just keeps on pushing his own and motivate his mindset that his money will grow in the future. A common man is afraid to take risks and enjoys only what is on hand without having the courage to make his money grow even more.

There is no difference, the common man invests in his family and might see great growth from that personal attitude.   The wider investor looks farther afield and takes greater risks in doing so.        The common man likely knows the subject in which he invests better, the most common personal investment is the house people live in as that reduces rent costs its often easily justifiable.
    The investor in capitalist markets often pays alot of money for management of the fund in which he invests, thats a large difference in that they want to pay an otherwise unknown individual to manage funds.    A common investment in many countries is for a family business, then wages are shared by the family and costs are familiar to all which is likely fairer and makes the business more likely to succeed through good times and bad.

Investor
- Thinks long term
- Is aware of risks involved in investing and the failure rate
- Willing to make meaningful contributions to projects (if nothing else, at least support the ecosystem within which it operates)

Common man (retail investor)
- Thinks short term P&L
- Often puts money in the wrong places by falling prey to the 'heard' mentality
- Does not think much about the projects (sometimes yes, but not always) and will sell their investment the moment they think something is going south or they've made a decent enough return


Paul
xpinvest.io

More like the investor gets any loan because he wants to earn more, while common man takes out loan to pay for useless stuff. For example if you are an investor and your company makes about 100k per year and you take out a loan of 100k on top of that and reinvest into company so your company makes more than 100k now and you can repay easily, that is a good ROI on that loan.

Of course, nobody would ever want to take out a loan but if you have to than it should be for a reason that would later make you more money in the end. However common man usually takes out a loan that he needs because he has spent money on useless stuff that they stuffed their house with, that is a big issue in the world right now, people work and they don't know what else to do so they spend money like crazy to fulfill their short span of free time.

An investor will always have a vision about their goals and a definite plan on how to reach them through a step-by-step process. A common man, on the other hand, lives a life where everything revolves around mundane activities. They actually have a relatively linear way of living. But what makes this fact interesting is that anyone can be an investor WITH the right amount of time, dedication, and knowledge about the market and investment.

Before becoming an investor, he was once a common man who shared the same ideals and goals. But what makes an investor distinct against the common man is having the passion and skill for earning more than they have now.


It is not that a common man does not want to get rich but they have a linear way of living. They just do not share the same type of vision an investor does. The sky's the limit for an investor and the sky may seem impossible for a common man.

Although it is true that there is a possibility of earning a lot with taking big risks, I would not blame those people who don't want to take them. Imo they are right in most cases. If you already have/earn enough money for providing your daily needs, it's a big question whether you should risk that position in order to gain more money.

Overall it's not like black and white in a sense that some people are investors and others are common folks. Most of us are both, and the question is which part is prevailing in a given time interval. And from our experience we know that we are not necessarily successful when we are more into investing.

The biggest difference is capital and money management, your average person spends every penny from their pay packet just living and the rest on luxuries if they have any left because who knows what will happen tomorrow.  Which is fair enough in your twenties but eventually people realise you have to put some of what you earn away otherwise you are on the treadmill forever and unless you love that job somehow, not going to be very happy or rich stuck there.
    I know we might be talking about skills, but I think capital is the important part as leverage makes precise trades very hard not to end up closed out as the market goes finding stops before really making a move.   I bet the market right now is looking like it'll go down but first has a bit of a spike up.

I don't think there is anything like people not wanting to take a risk because even the live that we live is a risk on its own, and we go to places not knowing what could happen to us, so we risk our life and if we can risk  our life, then there is nothing not worth risking, we just have to make sure that whatever risk it is, it is one that would really be worth it.

Though when it comes to loan risk in an investment, we really have to be very wise about it so that we don’t take load that we will not be able to pay because life is full of uncertainties and we might think the business we too loan for will succeed and may not, and I agree with you that this is line of the thing that a common man do run away from, but there is no way that we will want to earn enough money without taking risk.

That reminds me of myself like 20 years ago. I made sure that I always had enough money to pay bills and whatnot, where I spent every single penny of the rest on things I didn't need such as expensive clothes, high end mobile phones, ordering food every other day, etc. Result was that I didn't have ANYTHING in my savings account.

If I compare how I am today with how I was 20 years ago in terms of money management, I see two completely different persons. It feels really good knowing that I made most of my mistakes when it didn't really matter. Now I can live quite comfortably without even having a lot. My expenses are pretty low, just so that I have more to invest.

In the more recent years there has been a trend amongst twentiers where taking out a quick loan has become so common, that people actually consider it to be normal. This is quite shocking considering how high the interest rates are. It shows me how much worse the economy has become that these loans are needed to make ends meet until the next paycheck clears. :-[

Maybe we are taking risks every time we are crossing the road, but investment is something different. We have statistics to stay not entirely confused about such things. From 50% to 90% of investors lose money with this activity, while less than 1% of people suffer various injuries as a result of a road traffic accidents. Also, I disagree that we can't earn enough money without taking risks. It can be true to some degree in underdeveloped countries, but in the developed ones most people earn enough by just doing their job, without taking any risks.

I think when it comes to risk, it is actually tied more to business, or anything that involves you bringing out your personal money to do that which you believe could help you multiply it, but when you talk about job, you are talking of working for someone and earning salary and you know that is not a risk at all.

The person taking risk in this scenario is not even you, but that person that is saying you, but in business, there is always a risk, that is why when some people take loan for business, they always caution them to be very careful, it is better to start a business with personal savings or donations from friends and family around you, but if one can guarantee that the business is a viable one, then loan can be helpful to some extent.

I think the investing people get more opportunity for making their future to be brighter and useful without any other help while investing today it means he saves his future from the losses.

I see no difference, the investor is simply a gambler who knows he is, while the common man is convinced that he has certainty and does not realize that all life is just a bet with different degrees of probability.

Well an investor is always hunting the best stock or currency to buy and wait for profit, the difference between an investor and a common man is that the investor can wait as long as necessary to wait for his investment of fruits, this can take years while the common man does not, because he may not be able to wait so long because he needs the money and can withdraw his investment to use the money either for an emergency or a special case. In case the common man waits for his investment to bear fruit, one party may leave it to invest and the other spend it.

Well, I think I'm more like a common man than an investor then. I prefer working for someone and earning my salary to taking loans for running my own business. I've seen so many people failed in opening their own business and ended up owing money while having no idea how to earn it, so I decided to not take those risks. Besides, no one can guarantee the viability of this or that business, that's what I know for sure.

Real investors studied things in order not to allow any mistakes and avoid missing the opportunities, they keep making it better enhancing chances to work things out with advantages against the trend, while in the other side ordinary man always been beaten by artificial movements, once the whales make a dive it surely victimized the weak holders, panic sellers will be on it's way selling their assets accepting that they've missed the chance then lose part of their investment value.

I think the investors taking different steps by getting a lot of profits in return while doing little efforts but i see a lot of common man have makes herself in troubles because they  bought certain things by taking loan by doing this they  give  money with 20%  interest  that why they were in loss.

the most distinguishing characteristic that differs between the two is that an investor knows what they are doing while a common man just thinks he knows what he is doing. so a common man just assumes what it is and thinks he is gaining while an investor looks for more opportunity other than just gaining.

Investor can start huge business while common man has to build everything from nothing which takes time and this time can be so much that it can take your whole life while investor with huge amount of money can achieve such thing in some years but at the same time there is one big difference, a common man always achieves more because he has nothing and wants everything, it's a big stimulus for some people. Just see, most successful people were poor people in past.
Also once common man risks, he may be left without house and investor has much stronger back.

We have our own differences when it comes to our status in life, not all of the people in the society have enought fiat to buy something as an investment or because it is their needs in their everyday life, that is why the "common man" that you've said use loans in order to buy something that he needs or his family needs, it is an alternative to survive every single day if it is really necessary to buy something really important, it is recommended rather than doing something illegal just to get something that you want.

Yes, there is no one that would be happy to ever be borrowing loan to make a living, it is really a condition that probably got them to that and no one would not wish to make an investment even if it is loan.

I was reading an article today, where there was a statistic on saving level of each country in respect to their citizens, and i found out that after even earning so much, some even have negative savings, it mean they are even owing their country ahead of the following year, so how would those ones be able to make investment, but as a business man, he is not limited to an amount of money he can get in a year, so he can easily get loan for investment because that is where the source of his money his coming from and that is the sole area of concentration.

You are the only one thinking that way and not me Man! Am a common Man and at the same time an investor who take into consideration every decision I take as I do make sure that there must be an economic important of every of my decision and that is how everyone should think in my opinion.

Main differences when it comes to perceptions in life but there are common man that do mind on making investment but they do rather decide to play safe than on losing money.
Business minded person would really find some ways on how to make their money grow even if they would need to take some loan just to get that kind of opportunity.
Yes,its pretty risky but once it do give out positive outcome then it do really benefit you out.Its an advantage compared to those person who don't even mind on making any investment or businesses.They do just stuck into their own savings without letting it grow.We can say its dumb but I cant really blame because sometimes I do have that kind of feeling of securing my own money far away from any investment due to frauds and possible loss.It does really depend though.

In my opinion the difference ways of an investor or business is more about how he takes risks to get profit compared to letting funds and time get wasted or settles, whereas common man think more about securing their money and used it than investing in a place where there is a risk of losing. For financial problems loan, I think all the same both investors and common man have same thinks to gwt fund, the difference lies in how they play their money

the difference lies in the way they think and act. investors prefer to sacrifice money, time and energy. with goals in the future he can enjoy the results. The common man doesn't think that far. to be able to live today and tomorrow is enough

Investors invest only for the purpose of getting a profit, which is a big plus. Normal people just submit they are afraid to invest. They never take a risk. The investor takes the risk and returns the risk. Not for ordinary people in this market.

There is just a thin line between an investor and a common man. An investor knows and understands the basic principles of investing into any project and also understands the risks associated with any type of investment but for a common man, he knows about investment but do not really understand basic principles of investing and also know when to invest and when not to invest.

The investor is part owner, thats the difference from the consumer culture we have of purchasing products and renting if anything over ownership.   The public are more open to speculative ownership as it bears a similarity to gambling but long term ownership is a long and labored process of development and returns where as a bet can pay off over night and is far more exciting.
    Its become quite ingrained now as we gone as far as seeing housing as an asset to flip in five years perhaps where as it started off being only buy able via a mutual organisation willing to fund the idea of mortgages from common funds in a non profit operation.   Now we are hoping to spin housing debt, the 2008 crash of some didnt really end that idea.

Bitcoin has removed the hard boundary between an investor and a common man. You don't need to take the advice from an expert and you don't need a demat account in order to invest in Bitcoins. On top of that, you don't need a fund manager or a portfolio manager (as in the case of mutual funds and hedge funds). We can say that the role of the middleman is removed in cryptocurrency investments.

But the only thing that you should remember is to keep your coins safe and secure. Keeping them in exchange wallets is a strict no-no. Why take the risk, when you can store them on your own? In the first half of 2019, we had at least 7 exchange hacks. Another thing to remember is that Bitcoin itself is an investment asset and you don't need to further invest Bitcoin in to some ponzi scheme. Stay away from all those shady schemes such as Cryptostocks and tokens. Investing in them is not worth the risk.

yes but only if he is investing on a company/shares like apple and or on popular brands because these brands are owned by one or several people whilst in the case of cryptos , cryptos are not owned by anybody so therfor you can safely say that you are the owner of your invested coins not just a part owner.  

commom man on the other hand are only average joe that lives normally . they dont invest or risk anything .  they are in short contented with thier lives.  .


 

That is because the primary motive of investor is to put his money into something that helps him generate wealth and that is why he explores new venues and gains knowledge about them, whereas a common man is more inclined towards saving his money, not interested to know anything about how can he invest the same.

I don't know what the difference between an investor and an ordinary person is. I only know the thinking of an investor that they are always looking for ways to make their investment profitable because I am also an investor. and ordinary people I don't know what they think.

You are not an investor forever, what did you do before? I think investor is like a profession, you can be amateur or professional, it's something you learn to do and with time you become better, if you know what you are doing. Ordinary man is just a man without specific profession, even if he have some investments it's not something he do often, he don't this k about becoming investor. But probably every ordinary man have an opportunity to become investor if he wish to.

I think we are having a misconception here about these ordinary people. They can also invest, but unlike investors, they are more focussed on investing time, attention and sometimes money rather than most of the investors that also use time and most of the time money to maximize profit.

This is the wrong mentality people (especially like OP) have here that investors never take out loans. They do, but not to the extent a common man borrows because investors would suck out the money off the opportunity they get and invest it into something that can gain them a higher % of what they are expected to repay but a common man would just focus on the desire for which he took out the loan due to which his/her mentality remains fixed (or I should say stiff) while being limited to that level only and that common man will never think anything ahead of it.

That is right, it is nit everyone that has to be an investors, people don’t have the same calling, it is just like the economist say, it would be impossible for everyone to become rich because if we do, no one would want to work for one another or take orders from another person, and what we will see is a community of lawless rich people that cannot even work to feed themselves.

Ordinary people living their life are the ones that need for the investors is investing his money into. If an investor chose to invest his or her money in a soap manufacturing industry, is it not the ordinary investors that would buy whatever they produce and the loan they claim they collect.  st investors are business men and women, and that is what they are called for, they cannot use that to judge an ordinary office person for not being an investors.

A person who is investor who take part in properties because they know that in future it surely give them profit like if I invest in gold one day gold price will increase for its demand but non investors are totally away from this because of there lack of knowledge in what's investment really is like most of the people don't know about it or they scared to lose there hard earn money and it's common thing ofcourse that's the difference between investors and common man.

Isn't OP is saying the same as you? He never said "investors never take out loans", but he said:


meaning that investors would rather invest the borrowed money to earn from that.

I never take loans myself, neither for buying goods, nor for investment, and maybe my mentality is fixed or stiff, or whatever, I would rather not change my mind on the subject because I think debts make your life miserable in most cases.

It doesn't mean I disrespect people who can take a loan and create a profitable business with that. I do respect such people because they succeed in what most people fail. I just don't want to end up among those failed ones.

A good investor always buys things or subjects that generates money and tries to avoid such buyings that consumes it. For example if you buy a one-room flat you can rent it and generate incomes vs you can buy an expensive car/yacht and put your money into it almost monthly.

Yep, I know this, there are many different types of people in society and you cannot force others to follow your thoughts.
Some people are afraid of risk because maybe in the past they have failed to invest and now they are scared and inexperienced ....
So we should sympathize with them and can suggest some courses on management and financial balance. They will definitely be better  ;D

For my own understanding about the investors, they are also common man but because they have the ability to invest, they called as a investors. But it doesn't mean that investors doesn't make loan because sometimes they need the loan for investing it for any other project that he wanted. So investors and common man for me are also the same if that common man will invest.

Literally speaking they are all just the same but the differences between them is on the mindset of those people and the capability when it comes to financial aspect.

Not all people do have that kind of business or investor mindset which means they do fore seen some profit possibilities or opportunities and some might able to see it and mostly majority wont able to recognize it and this is what differs them.

Yes,investors do even end up on getting a loan just for the sake of investing money on the things they had seen and sometimes it do need some gamble for you to gain those possible profits, if it turns on other way around then better luck next time because we know that not all investments do succeed.

I'll share my thoughts. I wasn't an investor until I came to crypto. Why did I become an investor? In order to receive a percentage of income. And I had the opportunity, desire and means for this. In principle, these are all the differences.

Lol for sure investors are also common people as they don’t have 4 legs but here we are asking about the abilities as you said an investor must have good intelligence and he has more abilities to examine the market, he got extra patience and he must have good knowledge about market movements.

Well, difference between common man and investor? Not much I would say. Except that they invest in different stuffs. Buying a fancy car is one of the worst investment ever. Cost of its maintenance, cost of petrol and after a year, the selling price of the car drops below 50-60%. Smart investors invest money where not their heart wants but their brain wants ;) but I would say one thing, common man lives a more fun life than investors who spend their whole life making "profits" ;)

Which investor in their right mind will sacrifice money ::). If you are talking about institutions investing in bitcoin and a common man investing in bitcoin, both can have its conventional identity as one will have a team to look after the asset and a common man will make decisions on their own rather than a group. If you invested money in any market you will understand what i am talking about  ;).

What's the difference between an investor and an ordinary man?

Both have the same targets for achieving future goals. It's just different is how to achieve its goals. Most ordinary people, in achieving their goals, direct action without careful consideration ... If they fail they immediately give up.

While investors make calculations before the actions include: owned resources, weaknesses owned, determine the targets to be achieved, formulate strategies to be achieved. And if there is a failure they formulate a strategy or plan B, if it fails again they formulate a plan C ... The target is never changed until it works

ordinary people only think short term for themselves, so there is no planning for their future, so their ideals are like, making money and spending it and then looking for more. practically their minds are simple. different from investors who think for their future and organize their lives in the future to be better by getting the maximum return on their investment

An investor is anyone who makes enough money to spare and invest it in projects. An investor lets his money make profits for him while he sleeps. A common man, on the other hand, is one who struggles to make enough money to meet his basic needs. The understanding of business between both of these people is completely different - to me its a rich dad, poor dad kinda thing  ::).

You got a point, yet its not always automatic. I mean, not all investors could sleep well because they're earning good passive income, there are investors who's also struggling to get back on track before he made all the debts. Investment is closely related to gambling. While the person whom you defined as a "common man" maybe struggling for daily expenses, but at the end of the day, he surely can bring food to his family's table. Risks and assurance separates these two types of person IMO.

The investor will spend their time to search profitable project so they can invest in the right project.
Related to the crypto, they will gather more and more data before they decide, and they will know how much money they need to invest.
The common man doesn't know about that, and some of them follow what other people say without research more about the project so they could get a scam in the middle of the phase.
Yes, sometimes it's related to the professionalism between the investor and the common man, but that will not affect too big.
We could choose what we want to be, so we don't have to be the wrong person in the wrong places and time.
Maybe the other difference between the investor and common man is about how much money each of them will use in investing in the project.
The investor will use the money they are ready to lose, but the common man will use all of their money because they believe the project will succeed.

Being an investors has always been there, even before the beginning of cryptocurrency.
Just that cryptocurrency exposed it and made most people understand that one can save and input money to gain and not spend unnecessarily. So, it does not have to be on cryptocurrency, you can choose to spend recklessly or save wisely.

Not all of the investors can do that.

It is true that investors want that but to be honest, they don't stop.

Despite them putting money, facing risks in order to earn profits out of it. Common man also invests, so I don't think there is a difference. The only thing that they are different is that being an investor is their occupation, the common man has their jobs but they also invest, that means investing is not their only job. Even poor people are investing since they don't have that much money to invest, they invest other things like time and skill.

The Rich Dad and poor Dad statement caught my attention, i quickly remember my understanding of the book written by Robert kiyosaki. The common man here can be reference to his poor Dad (real dad) while the investor is his friends dad (rich dad). Their mindset and the way they reason are totally different. While the common man sees something he can't afford, he immediately gives up or uses his salarys to acquire the property which turns into a liability but the investor will invest his or her funds and uses the profits from that investment to acquire that property which turns into an asset when measuring his wealth.

Your statement has few faws though, you should rephrase the sentence referring to a smart investors and not just any investor as only smart investors make money while they sleep. The average investor just invest and make profit while only the smart investors invest in a way their investment automatically turns into a stream of incoming generating money even when they're asleep.

Investors are rich people whose looking for a better earnings to earn more money than their capital. They are priority to have a payments in their in the transactions they invest. While common man is just for the payments like bounty hunters. They just wait for their payments if their income have value in the market. No assurance if they will pay them.

I think not only common people want to take loans but also investors. The only difference between this two is that investors tale loans to make profit using that loan they will invest it unlike common people they take loans to buy the things they want. Therefore an investors think twice than common people. But not all common people is like the scenario I gave.

Yet, we shouldn't forget that many investors, if not most of them, are not making profits from their investments. I mean, it's not a magic formula of success, like "Be investor, don't be a common man!". Sometimes common people are more successful than investors, because the former spend their money on the things they need in everyday life, while the latter just lose their money with some bad investment.

Investors live their life with profits so they can afford to buy more things than common man but there is no simple magic formula to become successful investor,it will take atleast more than a decade to show how successful you are,that much patience will not be there with common people.

I think a common man works himself and earns money, an investor makes his money work and make more money, that is the biggest trick there is. You don't even work yourself, you have money anyway and you make your money work for you instead, that is really a big power if you can master it, you will never have work a day in your life again.

Of course, investment is a job as well if you do it full time and that is how you make your money but after a certain amount of money, you can literally put all your money into great stocks that give good dividends and then you can just live with the dividends while keeping your initial investment intact which will also go up in price over years. That is how some old folks literally made their millions, of course we are in an age where people have hard time just living with the money they have let alone make extra however that doesn't mean you can't use this trick when you have money.

It doesnt have to take ten years to be an investor and receive a benefit from it, many people own their own business and benefit quite quickly if its a cash business.     A gold mine will take ten years to establish, an incredible amount of patience and money spent is required to set up such an operation and ton of faith that at the end the gold price will justify the costs and pay for the fuel to extract and refine this resource.   Quite a gamble is such an investment but also great rewards are possible.
   On the other hand I had a friend who setup a market stall selling flowers and his investment was far more modest and he knew within a month if it was going to be profitable to continue and make the margin from flowers bought in the morning bulk sale then retailed to customers throughout the days after.   That business can be quite fast and obvious though building up a customer base counts for investment, goodwill and intangibles etc. so theres always some long term benefits.   A standard business cycle is six years I think and taxes and losses can be carried over about 4 years depending on the tax regime in that country.

Small business ideas can act fast when giving returns but the fact is it cannot reach the next level profit like big companies producing profits in stocks.I don't consider people doing business in small scale as investors since they are still in small scale so they are not getting benefits as an investor.

The most obvious difference is that the investor uses the money to make a profit; while the common man simply spends it.
So - obviously if he works well - the investor becomes richer while the common man is poorer.

Normal man obtain fund to satisfy their pressing needs and may end up without positive gain and as you have said, will still have the interest to meet up. Most common men aim to impress in a short time as they spend more on liabilities.

It's really important for people to keep investing rather than keep the money on bank.

Inflation is the monster !
Being investor will have the advantage not for now but for next 5 or 10 years !

It's not only about patience. I disagree that common people lack patience, what they lack is knowledge in the first place. Working hard they don't have time to learn enough for making a good investment, and they often become victims of some scam projects promising big returns in a short period of time. For those people it's better to not invest in anything at all, and just live with the money they earn. Not everyone can be an investor. It's easy when you earn much more than what you need for everyday life, but if you can barely make ends meet, investment is not for you.

If you look more broadly, we can say that all people are investors. We constantly invest our time, in school, in work, in family, in relationships and so on. Someone is investing consciously, someone is not. All people are investors of varying degrees of education and understanding. People who invest their money and time resources correctly are rich, those who do it wrong are poor. Fortunately, we live in an age of information, and anyone can learn what we should be taught from childhood.

common man will never think the two sides of his purchase, it will not think the disadvantages of its every purchase that's why it is yet not good and also they are not risk taker. investors are willing to take risk in their investment and having no regrets in every move they are doing, they are also aware if they are going to invest they can also lose their investment. their emotional capacity is quite strong too unlike common man.

You are not investors if you're not willing to take a risk, because majority of those risks taker will have a good profit but it need deeply research first. Well, the difference between an investor and a common man is the earning. A common man is just depending on his salary or business earnings, unlike investors that you can really assure to earn big profit more than what you are expecting for. Although it's risky still you'll earn big through it.

But remember first how many times you had been studying those critical and minors incidents that might be putting you in risk.
Study+willing to risk= success.

In my opinion, investors are similar to entrepreneurs common man is similar to the employee's
point of view. Then from that investor have a greater income usually than the common man.
Because investors are more willing to take risks and are not afraid of failure.
Inversely with the common man who prefers the safe zone, then of it is because of the fear of failure
that most common people work as employees.Because employees have a fixed income.

Now it depends on your choice, each prefers to be an investor or common man. Here there is nothing wrong
in choosing whichever, depending on the method each individual thought.

The difference between an investor and common man is their mindset. Investor mindset understands that the first goal is to gain a surplus of resources, seeks time and energy and use it to continue to generate value on their own, and that pays off in the long run. Common man mindset immediately sees a surplus as an opportunity for consumption, and is only looking into short-term returns.

Common man (or non investor) is working in regular job and contented of the stable earnings they get in their work. They take loans everytime its needed because they are confident that they can afford to pay it even with interest as they have job to turn on to.

While investors are open for other opportunities to earn even if its risky. Sometimes you dont need to stick for being an investor only because you can also find a stable job while investing like here in crypto. 

Investor want to get much profit with cryptocurreny without think with their money but many common man never want to try investing without know how much profit get after invest there, they have know before invest at some product just one month how many percent profit getting and how long keep waiting it.

An investor invests to make their capital grow and is willing to take the risk. On the other hand, a common man would like to earn to be able to survive a day, to pay their expenses and debt. They often seek for opportunities to make their savongs grow.

An investor is an optimist to believe ten years from now they will receive greater value then now and a cynic to believe the value in spending money now also is not a reasonable price.    The common person has no capital to have any views either way, its commonly known that most in the western economies spend on debt not capital.
    The common person can be said to be an investor in themselves and most often an investor in their own house, few go as far as investing in a pension until its fairly late.    The biggest difference from investor to common man might be the investor has spare money to spend, very few working in the population feel able to delay any spending unless its almost immediately beneficial to do so.

Investor is a men who living on profits from his investments mostly. Investor is a profession like car driver, doctor etc. Investor is a businessmen who gets revenue from other businesses, stocks etc. I don't think that everybody who bought some assets like crypto etc. can say that he is an investor. Yes, he made some investments from his savings but he is not investor. Because its like to say I am doctor after you put bandage on your pinched finger.

Common people often don't appreciate their money and use it to spend it.And they usually take loans instead of saving. But investor people protect their money, know the value of their money and do not borrow easily. In other words, investor people make more calculations than common people

Actually, investors also take a loan but what they make differ from a commoner is that investors have a high possibility to pay what they have loan in a short of time since they have an income unlike commoners is it will take a lot of time for them to complete the payment. Besides, in terms of money investors have more knowledgable or can manage his funds effectively.

Investors don't take loans for their own wants, rather they may take loans for investments like stocks, franchise, real-estate or as capital to start a new business. A "common" person as you say, is the one who is prone to impulsive buying stuffs in which the value doesn't increase over time, rather deprecate. Such things like cars (although it could increase if vintage/collectible), phones, etc. To summarize, investors think ahead, what will be the consequences of his actions and plans ahead of time while a common man tends to buy when he has something, then takes loans once he's out.

Investors actually have a very different mentality than that of a common man. They always think about building assets which could give them future cash flows instead of some useless assets which would depriciate over time. However everyone's system of planning is absolutely different as they set their own rules before buying anything. For Example, Some of them set a rule that a car must atleast be equal to 2 Months of their passive income and only this would mean that they can afford it. So, Investor is actually not an adjective it's a way of living your life.

Common man look want to get profit at real product and trying every day could take profit just small amount, difference from investor in bitcoin or altcoin want to get much profit higher than 50% and waiting for long time, I will like for become investing in bitcoin than have been like common man only take little profit with real product every day.

i never loan anything, and i just buy what i need. but im still 'common man'.
you cant decide between investor and common with that perception. you can compare with their knowledge, like if investor have high probability to win their role than common man because they have a lot of experience, etc.

An investor seeks for an opportunity to earn and is willing to risk and try new things to for new income opportunity. However, a common man is afraid to seek and try new things and most of the time misses an opportunity because they are contented with what they currently have or earn.

I agree, a real investor will never sell his coin to a lower price than the amount he bought the coin, also investor is willing to take all the risk in every move that he will be doing, an investor is a chess player, he think a lot so that he will never lose any pieces or will not have a lease pieces to survive.

I agree that meeting up with wants and needs does not have to come through investment alone, there are so many ways that people use in meeting up with their want and needs, but the thing with investment is that, you will not only be meeting up with your wants and needs but you will also be laying a legacy down for your children, a wise man once told me that the best you can do is to build something  down that your children can continue with and not what they will start all over again from.

In my country, sometimes all these our hustles are usually blamed on our parents because we believe that if they had at least invested down for us, we would not have been having it though with life the way we are having it now, which is why everyone that desires to be a parent later in future must work investment down.

Such a good comparisons, Non investors type of a person doesn't think of any ways to increase their money, they are just fully contented with what they've receive from their stable day job. Enjoying where the money can bring them, While Investors type of person always seek for every possible opportunities to increase what they've already have. It's best to have a mindset same with investors type of person, finding ways to work with your money and in due time, your money will work for you.

My investors and laypeople describe it like I work in a company, I am just an ordinary employee who works in one company and only rely on fixed income or a fixed salary from the company where I work.
and investors are those who create jobs or companies that are willing to take the risk of whether the company is progressing or not.

of course investors are always thinking of making a profit, you could say they are exploiting a gap that is not seen by common people
experience and advice that makes investors very careful about the business being established

The difference is a clear one because the investor acts professionally when it comes to putting his funds into a project. Every investor checks all the possible risks and benefits with much expertise before joining the investment of a project. On the other hand, the common man lacks all these investment finesse and usually do not engage in investment activities.

Investor faced big risk for big result and common man only focus with small profit about his investment, you need to know which one better investing for your self become investor or become common man with many chance to get profit, you be investor have ready your self for faced with big risk.

The common man will think only for today and not the future. Eat well now and starve tomorrow. An investor places small amount of funds down different revenue streams and diversifies something they have looked into properly and believe in and not just something they try to flip quick profits from. Slow and steady is best to build a longterm gain.

The investor does not always see a loss as a loss but rather a way to improve and an example of what not to do next time so they do not repeat the same mistake again.

Only those who pay attention towards investing in bitcoin and some promising altcoins get good profits out of it. Even in investors, we have different types, mainly long term and short term investors. Then it is also essential to keep oneself patient during dips and have courage to invest in downfalls, which mostly people don’t. A common man would not pay this much attention into digital currencies.

A common man only cares about the present, has normal job, earn a decent, buy his needs and pay his debts with less financial risks. While investors are financial risking people, they are conscious of their spending, once they had invested to something they are willing to wait for profit.

Let's take crypto as example. Investors don't look at the market hourly but they always go long. They don't panic when the market is going against them as they always do a thorough research on any project before investing. Not common man that rely on pump and dump group and YouTubers.

Yes, there is a lot of difference but after all investor is also a common man just he is an intelligent common man. He knows how to use his money wisely in a manner that there would be no wastage of money and all his money is spent of creating assets which can give him certain percentage of return. Moreover common man could become greedy and his decisions will be more from his greed than from his brain. Investor knows being greedy doesn't helps so he will diversify his holdings into various things so that he doesn't lose much.

Investors are those people who are making their money work for them, they invest in many aspect, they make passive income in every potential way they can think. They are always finding ways to earn money, and most of all those are the people who are rich, common people are those who are afraid to take risk, they prefer working in a company rather than doing business.

In my opinion your opinion is not correct. Investors are common mans too as sometimes they had loans before starting to invest big and most of them have more debts than you will ever know so just because they have money doesn't mean they are all rich , you know ?. Also we're all investors even if you invest 1$ or 1mil$. The common man is the one who is just watching the game without playing it as he doesn't like risks or his money are not for investments...this kind of people are having struggles to find a way to success.

I think one of the main difference of an investor and a common man in terms of mindset is how they look in the future. A common man would pay great attention on what's happening in the present while an investor would look forward on what he may have in the future if her will keep on investing. A common man would buy all the things he want as soon as possible but an investor would wait first, find a great opportunity and will hold all of his money first to buy him time to think about it for a long time.

Rich people know how to regulate money, it is based on their experience, I am referring only to those people who are not rich before but in such good market trade and emotional capabality they become an investor and rich. Common man are too afraid of everything because of their limited source but later on they need to learn so that we can say that they are an investor.

They both have very different mindset. You can see a common man and an investor inside a car shop. They both have more than enough money to buy a car, even the expensive one. The common man would pick a good car, pay, and ride it home. The investor would think twice and will refuse to buy to earn more and be able to buy more than one car. It is all about patience, a common man lacks that totally for sure but an investor perseveres always to get what he want most of the time.

Everyone who invest money will go through the risk before investing in any financial market, the main hurdle is that you cannot find many experts in the crypto market to help a new user to invest like we see in the stock market, so majority who invested in the market are common people and there is no special investors in the market unless the money is coming from big fund houses.

A very horrible way of differentiating between subjects.Do you have any idea on what you are talking about?

It doesn't need for a big investor to have their own financial adviser yet they can even make it on their own when it comes to decision making aspects.
The difference among the two would always vary on the capacity of ones self on putting up on investment by means of levels or volumes.

Investors more like think outside the box, weighing everything to make sure that he can make his investment grow on the maximum level. Investors are those people who take time learn/study everything about the thing he invested to and make a strategy to gain more profits. Common man on the other hand, can also be investors its just that they only think of getting profits right away, it’s like they invested on something just for the sake of getting returns but not really understanding what it is. These are the people who most of the time unsuccessful with their investment because of lack of knowledge and strategy.

investor thinking is much more mature with various considerations, they also always analyze things in reverse by preparing their funds to not lose more than 50%. This is in sharp contrast to ordinary people who sometimes only think fast with maximum funds. Capital is also the main differentiator here because investors divide some portion of investment and remain in large amounts for each portion. their management is more measurable.

An investor, thinks well of how he can do passive income, he's not only depending on his fix income, but he's not wasting his time having a passive income, while a common man, most of the time, only thinks of how he will get a job, and don't care much on having a passive income.

What I can see that the difference of an investors to a common man is their consistency. Consistency on choosing the right crpytocurrency to invest in a sense that, whenever that crypto's market price declines, it is not a reason to leave the market. Real investors knows the true worth of a crypto, not being affected by FUD's and also trying to research all possible scenarios to happen. In this case, a common man is the one being fearful and affected by sudden market fluctuation resulting for him to surrender and accept losses.

The biggest difference between a common man (as you call it) and an investor is that one of them is fully dedicated to making his/her money produce more money. It's not a hobby or a side income, it's their main drive, they invest the time to research the avenues and opportunities, they develop a mindset and discipline that shapes their way of life and way of thinking. They can see a product or a business and not think about it from the consumer's point of view, bur from the entrepreneur and try to figure out how it was achieved under what market conditions and what, the presence of said product or business, means for the industry in order to assess the financial advantages or threats. Since they understand the market fluctuations in a deeper manner, they're purchase habits and payment method can differ greatly from the common man as well.

Common man don't really care about sharpening assets, so they only attract profits that they think are enough. Investors are the opposite so they can continue to be stable, they manage everything with long-term calculations.
Consumptive nature is also different, investors tend to target something higher / expensive and this gives the effect of higher patience patterns on maximum satisfaction. Choose only to achieve targets and even in urgent conditions.

I do not agree with your statement. I am also an ordinary person, not an investor. but I also don't do what you say, I'd rather spend my money as needed. I also don't like to waste or take loans with very large interest. In my opinion the difference between investors and ordinary people is, investors have property advantages and they can join by being part of the project, they buy large amounts of coins using their money before the project releases their coins in exchange. whereas in my opinion lay people are those who can only have coins by working as prize hunters or they buy when the coins have entered the exchange.

But, a common man cannot become an investor without looking for that job. Let's take for example bitcoin investment now, I chose this investment and made some investment in it because I had savings from the job that I have worked for.  It has been my desire to be an investors, but the opportunity did not come, because you cannot become an investor without money, so it was when I started saving up from my job money that I really made a very good investment in bitcoin. 

We can only talk of a common man that would rather prefer to buy games and gadgets and making no investment move but not on a job because manner would not come from heaven. It is something that we all have to work for first and get the money for the investment.

Indeed, investor and a common man with a job is almost the same. The only difference I think of is their kind of mindset. The common man usually got short term goals only while the other one make real plans to secure his future.

Take this an example, both common man and an investor got their own jobs. After they received their monthly salary, the common man usually tend to buy gadgets or new clothes but the business-minded investor most probably use a portion of his money to start a cafeteria. On the next payday, the common might buy a gadget again or anything which is in the trend while the investor use again some money to expand his menu or invest for creating a new branch. See the difference :D.

There aren't that much difference between an investor and a common man for they still have a lot in common. There are common man that also has the mindset of an investor that might have shaped by how his environment is like making him wise and good at handling things but just doesn't have the assets or the needs to do investment. There are also investors who has everything it takes and needs to start an investment but has the mindset of a common man. Generally and usually, an investor is good at decision making especially financially and do less loans but do more savings while common man is otherwise.

I will assume that you have kept a common man and an investor mutually exclusive when it comes to investing.
If that's the case, common man is more focused over savings. he wouldn't want to take much risk and play safely with his money. He will trust traditional form of currency and the monetary ecosystem. He wouldn't want to take risks in money matter.
While an investor will focus over increasing his wealth and not letting his money sit idle and lose value with inflation. He will have a risk appetite and would play the max out of it to earn profits.

Don't include me in mentioning a common man because I am an investor although I am investing into crypto little by little, And I am still an investor. Yes we the investors are not taking or getting loans because I believe that if we get money from loans and invest it into cryptocurrency then we will wait until the coin pump up and while the market is not yet good then the loans are getting higher and higher because if it's interest so that would be my personal reason why the investors don't want to take loans.

I see two main differences. Starting from the major one: Risk. The common man is almost always afraid of taking risks. But investors are not afraid of taking risks. In fact, they love risk because the riskier the merrier.
Strategy: Investors strategise on how to use their assets, when and when not to invest. The common man mostly eats everything as it comes and does not strategize for the future.

There's a huge difference between an investor and a common man. You can simply see it already on the way they handle their money. On how they handle their salary from their job. A common man would pay all his bills and buy nonsense temporal things from the excess. An investor would pay his bill, invest and set aside the rest. An investor would be looking forward on what may happen as he continue to avoid buying his wants and make sure that his excess money will continue to grow so that he may gain extra profits.

A common man thinks of his life tomorrow, while the investor think of his life after years. This means a common man plans to live with what he earned, while the investor will prefer to invest and benefit in the future eliminating what isn't necessary at the present. Investors always look for a passive income while common man feels investment to be risky and prefer to save for mere profits.

Well, investors plays his money with his own hand while a common man saves his money in a bank whereas owners of this bank get richer every minute while he got just lessthan 5% interest every month due to his depositted money. Investor is a wiser man compared to a common man. He does not let anyone to play his own money. It is nicer if you would become an investor rather than becoming a common man.

Investor want to get profit with investing in currency and common man only take profit with real investing, investor always want to faced with big risk because they have understand with big risk get big result and common man never want to take big risk, always running with investing real although got little profit, better joining with investing give big risk and big result like investor then become common man only want to get profit with real business.

The common man have no proper knowledge about prevailing market conditions and invest only to add on profits in his financial condition just to survive more comfortably while investors invest to gain huge profits with more liquid cash invested in different projects and have a foresight in the market.I would say that you should never took loan from banks or other financial sources just to invest in highly risky ventures which could cause trouble to you instead save it for some emergency needs and be wise.

I would like to compare Robert Kiyosakis' book named "Rich Dad, Poor Dad" , the major difference between rich people and poor people, rich people invest more of their money in obtaining more assets so that in return they will gain more than they invest with while poor people spend their money in their liabilities, all of their money goes out of their pocket, same for an investor and common man, investor spend their money in trading they trade so that their money would increase but they are taking risk while common man spend their money without thinking for their future assets. The main differences is their ability, capacity, goal and mindset.

How about we ask ourselves: what does an ordinary/common man in this kind of context? We can talk about an ordinary man a) with regards of their attitude towards money which for me is totally hard to say since it somehow talks about a person's character whether even if he/she is not an investor but still can manage his/her finances responsible, or b) if you mean by the financial capacity where it clearly draws the line between and ordinary man and an investor then I think that's not totally true as well.

But I think you are talking about the former then the argument ends here.

yes, indeed investors have more brilliant thoughts than ordinary people. but in my opinion, not all lay people like you think. not all ordinary people like loans, because they certainly do not want to think about the burden of interest on loans. investors do have good ideas for the future, but we must realize that investors have more wealth than ordinary people. indeed ordinary people cannot invest in large amounts that can make their lives better, but if ordinary people want to try and learn, I think he can make his life better, as investors think.

Let's make things simple.

Investor = Entrepreneur
Common man = Employee

Investors invest their money (obviously) on something, for example is business, because their mindset says that they could much money with creating their own business to have passive income, which is entirely true.

Common man, yes, this is the typical person living with his mindset "this is enough" as long as he is earning money supporting his daily needs and don't have any particular goal in which he could make his life more better than his common life.

Yeah, that is really their difference, most common man are already contented with what they are doing, what they have currently, they don't want to take risk, they don't want to have responsibility, they are afraid of losing even a small amount of money but when it comes to gadgets, they prefer the most expensive one.

IMO, investors and even savvy business entrepreneurs actually still take loans. Loans are great because they let you retain capital and allow you to invest in more opportunities (e.g. instead of paying a lump sum for business A alone, investors take loans to buy business A, B, and C all at the same time).

The difference primarily is that investors know the difference between ASSETS and LIABILITIES. Those you mentioned the car, the condo, the house, investors see those as liabilities and instead of buying more of those they go for income generating ASSETS like real estate, businesses, etc.

That is the main difference between investors and everyone else, when investors take loans they don't do it to buy products and services that will not generate any income, they are taking a loan to try to create a productive activity that will allow them to pay that loan very fast, that way when they finally repay the loan they have a new source of income which is another thing that investors do that the common man doesn't, the common man only has one source of income while the investor has many.

I found that the common man is bit emotional and scared that's why he give more importance to the life and wants to live it by spending the money as he already knows that whatever is coming is always from hands to the mouth.
Whereas the investor is more practical and believes in earning more and more an enjoy later.
Anyways can't say who is doing better may be both are right at there own place.   ::)

everyone must have a different mindset. especially about strategies in investing so that they can immediately become successful because of their investments. When you ask about the difference between investors and ordinary people, I immediately remember the words of Robert T. Kiyosaki, he said that investors invest their money and spend the rest, but ordinary people spend their money and invest the rest of their spending. yes, the mindset that makes the difference between investors and ordinary people.

They are not really that afraid to lose their money, the thing is they don't know where to spend it, their mindset is the simplest form of all the mindset, the term is "scrambled" they don't know the difference of "needs" and "wants" therefore yes, they value more about their wants over their needs resulting to financial crisis in which also triggers inflation, sorry for being off topic but that is the harsh reality.

Common man moves based on the majority, on the hype of the society, and that what makes them useless by not contributing any helpful things in the society.

The major difference between investor and common man is of thinking. Investors are always hunting for ways through which they can create a constant source of income whereas the other one does not think about the long term effects; he or she is simply concerned with present enjoyment. Investors do not waste their loans rather they use it appropriately and are often able to return loan on time unlike common people.

I think the difference is the wealth and experience owned by investors and ordinary people because their investors have experience about investing that they often do and often get profit because they already have experience while maybe ordinary people have no experience even can't get a profit and they still come not from business people so they are called ordinary people and I think that's the difference.

Experience is the different between an investor and a common man. A common man is an ordinary person which is usually broke because they tend to spend more on their luxurious wants rather than saving and investing. An investor is a person with a clear mindset long term that he knows that he needs to prioritize investing to establish a good source of income that can take care of him in the future.

Common always think with money and money, they only try how to get little profit every day although have bigger capital to start their investing. Common man look want to get profit with real investing and never want to smart working by investing in bitcoin and altcoin. Sitting and watching with bitcoin price make investor smarter with common man in investment way. Nice to be investor than common man to get money with investment.

Apart from the group a person belongs to, generally speaking, we all should be careful about our money and fear losing it in some risky unknown territory. Majority belongs to the common group because their investment is not out of research but based on the hot topics and latest news. They care less about confirming the words and eventually make the most blunders. Panic selling is the most dangerous one.

I think the difference between investors and common people is the amount of money they use to invest.
Genuine investors usually put their money very much, unmitigated and usually for the long term. If it is a common man, you could say the money they spend on investing is limited according to their income or half. Usually they also want to get rich quickly from the results of these investments, so sometimes these people are easily deceived by bulging investments.

I think that people generally have jobs, so they think of spending their money, and choose for investment later. I also agree with your opinion, that the difference between people in general and investors also can be seen in their experience. sometimes people are generally rather doubtful about where they invest, and not sure with their investment. However, for experienced investors, they will not do it with any doubt and try to make a large income from it.

FYI, you cannot make a loan when you are a common man, I mean it depends on your capabilities, the banks would not just give you right away the loan you are asking if they don't see you as a person who could repay it on time. There is a lot of things that should be consider first by the bank before they give a loan to a common man, it is unfair but I see their point, they are just discouraging people to make loans and encouraging them at the same time to work hard to afford to take a loan from a bank.

With the investors (mostly businessman and entrepreneur) they could take a loan anytime without the bank asking.

Sad reality but theres nothing they can do since there would always be a criteria for someone would be eligible on taking a loan.
Ordinary man or doesnt have that financial capacity or even had assets would hardly able to get some loans even on banks even on
a lending corporation due to your lack of capability on repaying them.Thats how it works and this is how the world turns where people
are divided into these two different classes.

The real game is of mindset and the approaches you use towards making money and using it as well. As you quoted Robert for clear differentiation, I think that is enough for everyone for understanding the real edge investors have over non-investors. What I believe is it is not difficult to shift from a common man to investor, simply focus on increasing your means of income by putting money into right businesses such as crypto trading etc.

I don't know what happened in other countries, but in my country borrowing money is very easy, many banks provide loans without collateral only by telephone, using photocopies of identity cards, without a clear survey as before. Even online loan providers are aggressively offering their products through mobile applications. Previously someone who was hit by the central bank's blacklist because of bad credit would not get the opportunity to borrow anywhere but in reality, now the banking institution's policy has shifted. Even blacklist debtors can get loans from banking institutions.

Money is important in the investment world but is only an object, not a subject, while investors are subjects who make investments. Without a loan from a bank, an investor can still make an investment when they know their limitations and understand their personality.

Successful investor formulations in addition to the mentality of business people, they must have a mixture of strengths of knowledge, understanding, and experience. Because the world is dynamic, knowledge must be upgraded so that understanding and experience can develop as well.

The level of knowledge, personality and situation recognition, friend and foe, determine the strategy taken by investors. As investors gain greater knowledge over time, they become increasingly challenged to take high-risk investments that are in line with their returns.

Before knowing with bitcoin I like invested many online project but always failed to get profit with my investing, now become investor in bitcoin make me very happy because can get much profit than other investment, common man do not know with bitcoin and if see how much bitcoin price increase they will move investment become bitcoin and altcoin assets,

It is not something that you need to feel sad about. Logically speaking, how can anyone lend loans to a person who has no good source of income or does not possess a lot of other assets. Giving him loan can put him into big troubles. This scheme is for his own safety. This world is neither cruel nor sweet. A balance is maintained in everything. Divisions are natural, we cannot avoid or deny them.

The main difference between them is thinking and education. I read at the neironix.io that an investor with experience and knowledge will never take money on credit for investments in high-risk assets, which for some reason is cryptocurrency and he understands the prospects and is ready to endure a drawdown. And an ordinary person is ready for the sake of quick money to take risks that in the end can ruin his life.

Banks are a business too so they have to protect their money and they cannot give a loan to anyone that ask, this is especially true when it comes to the average person since most of the time they want the loan to spend it in something that will not be productive at all, so if you did not had the money to buy what you wanted then what hopes you have to repay the loan? On the other hand if you want the loan for something productive the bank will see bigger chances of recovering their money and they will agree more easily to the loan.

the first difference is that the investor always take a risk but the common man doesn't take the risk. because investor always have a positive thought, through this they will succeed

For me maybe one of the differences they have is the flow of their thinking specially when it comes to the financial aspects. An investor always thinks about their future when it comes to finances, they become wiser and avoid spending money specially if not related to investment, while the common man lives only according to what they have in the present.

Borrowing money is a natural thing in doing business, just look at big companies, they all or on average have debts, it's just that the way they spend their debt with ordinary people is different, if we use it to buy what we want or need money for emergency purposes.
while they use it to create branches or expand their business, it is not very visible for the short term but for a long time the debt will turn into a lot of profit.

There are many differences between investors and ordinary people investors usually make long-term investments in order to make a profit by analyzing the market and thinking about the future. Ordinary people have no such thoughts they are usually obsessed with daily life the launch of a product is actually a lot of money before investors come to the market. Which may not be possible for an ordinary person to carry. the angel investor helps us is the one who basically invests money in exchange for a certain ownership.

If it is not about profits, investors and ordinary people differ in their ability to engage in money risk.
The average soldier will have a lighter and more comfortable life because they don't have to think much about how to make money profitable.
An investor is always looking for ways to get profits and so they think more and in busy than ordinary people.

Investors are hard working and wise. We value every cents of our income because we are aware how hard it is to earn. Earning while saving are the mindset of a usual investor.

However common man doesnt necessarily mean they are taking a loan just to satisfy themselves on what they want and in not really needed. I think it depends on each personality and mindset.

No all common man like myself borrow to buy/build things. I noticed this normally happened to Civil servants where I live. I don't know if things has changed that much today. I suspect that majority of self employed people (which I think the majority of the working people in the country I reside in are) buy and build things for personal/family consumption without loans, and they are common people.

An investor comes to the market only when he has money that he can afford to lose. In addition, a competent investor always strives to become better than others, for this he constantly studies, listens to lectures, reads books on the topic, looks through the business press. Real investments are always associated with great risks, labor and time costs. These are, in fact, all the main differences.

I strongly believe that man can do whatever he wants too! What you need is to learn, practice, risk, be patient, work, endure... and all other characteristics needed for anyone to become successful in anything. So here we have a "difference between an investor and common man"! For me it's the same as a "difference between a plumber and common man"! One is common and don't have knowledge about specific field, other is "educated" on the same field with experience. Investor knows the market, it knows that market never sleeps, it's like a living thing, it grows and get sick, it's get better and make disaster, and after some time same things happen again. Investor knows the scams, it knows how they work, he recognizes the patterns, he has experience on that field, and he knows how it works, common man just think he knows, but usually he ends up scammed.
So difference is just in knowledge and experience! The same difference you can have between new investors and old investors!

This is actually a good answer. A non-investor doesn't think about the outcome and just hopes for their profit to grow, they just invest and hope for it. An Investor would dedicate or predict the outcome of their investments and would calculate when is the right time to invest again. An investor probably did some research regarding on what they are investing on and would likely have a background on financial services or just enthusiastic about investments.

The first difference is their stance. An ordinary person does not think of the way an investor thinks. Investors work on how to invest in everything, how to make a profit. But an ordinary person, but in most cases thinks of profit, does not understand the right strategy. After all, over time, they succeed.

That's right, there is a massive chasm between investors and common people. There are also assorted discrepancies in the direction they live their lives. Everyone invests in something and many people imagine that the appetite for the daily is existing met. Regardless of those who are real investors, their scheme is unique.

surely the mindset of an ordinary person and an investor is very different 180 °. if the investor gets a profit then what he does is use that profit to be reinvested, and so on. Not when getting profit is spent on satisfaction. but always try to spend money to get money

"Investor saved for investment
Common man saved money for desires"

The mindset of the people reflects on what they have. If you only saved money to buy such thing as cellphone, laptops and other gadgets. You only add some liabilities to your life and yes! you are a common man. While if you save money to invest even in business, trading or other investment. You have the mindset of a millionaire. I just remember what Robert Kiyosaki told in his best seller book, Being rich is not define on the money you gained but to the money that you save. Its useless even you have 2K dollar monthly, if your bills and other expenses is 1900 dollars. Its better to have 500 bucks when can save almost half of it.

Investors perspective is different, he/she will be doing smart work whereas a common man will be into hard work.

Investors looks for an earning in the passive means, just invest and get the rewards, whereas common man keeps
his focus on saving with some target.

Investors always look for profit whereas a common man always look for the security of his life and future.

Investments have got low liquidity whereas savings have got the high liquidity which helps in immediate needs.

An investor believes that money must "work" and make more money.
A common man thinks that money must be spent.

There are many differences between an investor and the average person investors usually think of investing and retaining. Ordinary people try to solve their own problems as well as spend money. Two important investment tools form an investor's portfolio at any given time. From a company’s perspective this means raising equity from the market. Both are bought and sold in the stock market and are important forms of investment for the common man. Also ordinary people are relatively safe but investments provide low income.

You're a bit right with what you believe about the difference between these two. I just want to add that investor was once a common man who earns money and buy his needs but as soon as he develop some thinking about earning more from his money through taking risks then he became an investor. A common man knows how to spend his money but not that well if we will compare it to an investor.

This two can be differentiates according to their knowledge and status in life. An investor is a person with great courage, ambitious,  with positive outlook and brave enough to take the risk. While the common man is the one who is so coward/afraid to take the risk and go out from his comfort zone and explore, he only have a simple ambitions in life and that is to live simply with a little earning from work. In the end, the investor will really gain more profits and be financially stable while the common man remains in his stagnant situation.

The main difference to me is; patience to endure losses, risk management and experiences in a particular field of investments. An ordinary man as you have classified cannot wake up and begin to trade Bitcoin or invest in gas and oil sector without having patience to learn the processes involved in the field. The other difference is mindset and availability of either natural resources or artificial resources to utilize in the investment.

Many professional investors seems loan as their enemy of invey. Investors always do some research before carry out their activities in the community to see what the day will give to them. Many investors have learned from other people experience in the area of trading that now make them professional.
While some common man don't know the risk of collecting a loan to feed their stomach that will not bring any profit to them. Purchasing your house or car with loan is not helping you to be out of hardship because within two years that car will be developing fault that will make you start looking for money to fix it back. Common man like eating quality food and drinks quality wine that can reach someone to start a good business and earning a good profit out of it.
Investors never tired of investing as long their are places to invest their money and make a good income while common man is after today today profit to flex all over the community without thinking of future profit. Common man see loan as an opportunity to them to enjoy and forget the interest involved in the loan.

Taking loan cons and pros.

If you take your loan now and invest in something solid like you earn in more than when you save or the interest that is applied in your loan then that could not be a problem. Investing in real estate would be one solid investment as it usually grows its value over the period of time and I had been witnessing it the time I was not able to decide to get the rent to own scheme pre sale house ans lot. After some years that has passed where the are RFO ready for occupancy I tried to inquire again and it surprises me that the TCP Total Contracr Price of the house was being doubled.

Cons if you invested your loan like buying a car which depreciate value over the period of time then you will likely to lose more.

Saving money could be a great deal but risking and taking loans would be greater it will all depend on how serious you are in making money like doing investments.

An investor is a common man but a common man isn't an investor. I said that because of a common man who feels and understands the importance of investment for his bright future or to be rich or something else. A common man earns and saves it for further use that can be an investment or borrow some assets. when he/she saves it and uses it for the gain asset then it is also a way of increasing profitability but it is not an investment. When a man uses his money to gain profit and there will be a risk, chances growth or fall that is an investment.

But that is the usual thing that happen in our life. If we will going to portray a number of working and number of investors may it be cryptocurrency or other forms of investment will surely get a higher percentage of people that are having jobs or earning through salary than people earning through their investments.

This is why these succeasful investors I often heard encourages anyone to invest, earn and enjoy life from its profit.

The investor has a desire to improve his life, and ordinary workers, as a rule, live one day, and here it is not at all about loans. Loans can be a pretty useful tool for raising funds if there are no other ways. Why should I wait to buy something that will improve my life if I can get a loan and develop further.

I will not make a loan to invest in crypto especially bitcoin. Having a loan like being chased, every month you have to pay interest and pay in installments on the loan. It really unsettles me. Although indeed the investment results can be relied on to pay for the loan. But it doesn’t promise 100% either.

It is better for professional investors not to make loans for investment.

Investors believe that money must make even more money.
Common people prefer to spend their money on services and goods.

Investors are rational and have a certain degree of professional knowledge. In most cases, they can buy at low positions and sell at high positions. Therefore, more benefits can be obtained.
Ordinary people are very greedy and always hope to get more income, so there is a situation of chasing ups and downs. Therefore, a relatively large loss may occur.

I think the main difference between a common man and an investor is their patience. A common man, just like you said, would immediately buy the things he always wanted right away after having the money while an investor would take a moment first and think. He will have an idea that maybe, if he'll invest it and make it grow, he can buy more luxurious stuffs or secure his future. An investor is much more wiser than a common, although not all, but most of them think it thoroughly before spending money. Maybe you can build a house with the money you have today but an investor would say, maybe a mansion is feasible if you'll wait first while investing your money.

IMO an investor is a financially educated and conscious man. In a perfect world each one of us should be an investor, be it a hands-on one or someone who allocates his capital and trust to experimented investors.

The difference as I said before is education, but there is also the mindset part. If you want to be an investor you've got to think about the future and not dump all your wage into day-to-day necessities and wishes. Every penny invested wisely could compound in generational wealth. I suggest your reflect and build upon that thought. Cheers!

Many people will say that investor are those who are willing to use their money to invest in something that aims to gain profit in both the short and long term. Everyone who does this is called an investor regardless of their investment knowledge and experience.

The success of an investor in investing is influenced by knowledge, experience and capital. Knowledge will make it easier for them to analyze the assets that will be selected as an investment destination, while experience allows them to minimize the risk of investing. Educated investor will not choose asset arbitrarily without doing analysis, they are not easily swayed by hoax because their knowledge and experience in investing allows them to analyze the price movement of an asset. It is not easy to be a successful investor, but I am sure that if we are willing to learn it it will be achieved.

Loan is a leverage and you can use it to enhance your standard of living or investment. To be a successful investor, it is about mind set and knowledge, a very good investor read a lot and most of the time look out for value, if a company is undervalued or a property is under valued they look for money to buy, but common man mostly thing about the present, how am I going to survive for today not thinking about tomorrow

An investor sees money as a companion or a pet. A common person will see money as a god. This explains why most people chase through hell just to find way of getting money while Investors don't sweat it and would promptly devise a way to earn. Aside from that, an investor will see extra money as additional funds for investment ventures, whereas a common person will see extra cash as leeway for more expenditures. Luck also plays a role in this, though not that much, I admit that the proper mindset can get you millions, only because it pushes you to think ahead of time and be a risk taker.

In a common man, they focus on how to earn money and they work hard almost eight hours or more also get the overtime they let themselves suffer because they need money.

Investors let their money earn at it self because they understand how does it work. They invest in a thing that could give them money in the future also they are the risk taker because there is an instance that their investment will be gone in just wrong entry.

Not all ordinary citizens ' desires and needs coincide with their financial capabilities, so they follow the path of least resistance and take out loans, and do not try to save and invest, especially if the income level does not allow them to think about it. Also, the fact is that not everyone has the desire, talents and patience to invest, because the question of investing is not as simple as it may seem to a person who already has experience and understands the essence of the issue.

In my opinion Financial specialist continuously attempt to put his capital and gain a parcel on the other hand a common individuals continuously disappointed on the off chance that he make misfortune after contributing his capital. In any case you wish to have experienced some time recently contribute something else you'll see misfortune continuously .An financial specialist continuously learn on the premise of venture or commerce where he arrange to contribute .A common individuals make his cash sit out of gear and one time he fair misplaced his cash survive .Everybody have to be a financial specialist to rise yourself.

It all do talks about open-mindedness of a certain individual and not all would really be having that one and if they do but their capabilities isnt really enough nor
sufficient for the things that they do really have in their mind.Its up to someone on how they would work hard on achieving something, everything is possible
but there are cases which do leaves you without any choice or option but to go into those desperate ways like taking a loan for you to invest.
Yes, its risky but this is way better rather than on taking a loan just for you to buy up your wants or using it on other things which doesnt really give
out the possibilities on getting some returns.

Not to mention that investors are also not using every money that they make to make more money, they know how to do loans that will favor them and pay it back fast. The common man loans money to survive daily while investors use it to make more money. But it isn't bad that you are just a common man, the work that you do offers benefits and you have a steady income and your finances although not a lot makes sure your stable, while investors take risk that will either make them rich or make them drown in debt.

From my perspective I seem that the different between common man and investor is expansion of knowledge towards future, a common man does not meditate or plan concerning future because it believe that investment is a scam, while investors consider investment as a source of expanding income, from entrepreneur concept of education, it briefs us that investment is all about risk and it has to do with advantages and disadvantages, the advantages aspect of it is when the risks measures taken has become successful which leads to expansion of wealth, while the disadvantages is when the business have a loop hole, so a common man lack such wisdom that risk can turn someone to become billion within sometimes.

Absolutely and you remind what was once said by a cryptocurrency enthusiast (A. Pompliano) which claimed to have all his assets in crypto he said Bitcoin cant be understood by the ordinary human mind but the genius which makes investors to be genius, opportunist, and risk-taker for the purpose of the future.
I could remember when I was first introduced to Bitcoin I treated it with common man understanding not until I join this forum and read some various article which said Bitcoin to be internet gold.

For me, the differences between them is that investors are always ready to take risks when it comes to it's assets because he really wants to achieve something out of it and the common man is the one who just going through what he is always sees, he always follow what others are doing with their assets here in crypto industry but sometimes he get much profits than investors without knowing.

Actually this question has one straight answer. And that is investors keeps on investing and a common man keeps on spending. Investors keeps on finding assets which they can use to gain more profit from their money that also came from their investment. And that those common man  keeps on spending the money to fulfill his own luxury. They do both work hard but the way they manage their assets or money is their only difference.

I don't really think loan is a necessity for common middle class people who have the means to earn money for meeting the basic needs of life, like food, shelter, education and a bit of entertainment. Taking loans to expand businesses is a good idea when one is sure that the business will be profitable, and that too a loan from friends or relatives so that there's no interest on the loan or a burden, but a percentage of the profit can be given to them from the business one is starting with their capital. It all depends on a lots of factors, which can go both ways.

That is one way of putting it, I also believe that an investor is someone that has the knowledge about finances more than a common man that has little to no knowledge about finances. This separation in knowledge sets apart who is the more successful of both because one works smart while the other works hard.

But if we say common man doesnt it mean he is just spending money or taking loan? Investing might not be an option for him but he also have his own way to earn e.g as an employee to a good company.

On the other side investor has more edge to succeed when it comes to handling finances and for being wise on seeking for opportunity to invest. Investor holds his own time and not depending to employer for his salary.

I have a different perspective.
investors would take loans too if they see it more profitable.
for example, take a loan for an apartment at its initial price offering and rent it out to pay their loan.
that's why it's difficult to compete to get a property at its initial price. also, it's a sustainable investment.
 
investors will make their money works, not saving it and decrease in value.
investors are productive, meanwhile, the others are consumptive.

While all these are right, do we really have an objective reasoning of why an investor is termed as successful and a common man is not? An investor definitely has more money because of his saving and expanding strategies which a common man lacks, but the common man, as you said, are consumptive which I consider is far more better than simply missing out good food and travel and other luxuries simply because of the greed to gain the title of "rich" or millionaire etc.

I think that one of the advice that the famous Warren Buffet gives, despite referring only to investments in the Stock Market, is fully applicable to the Bitcoin and cryptocurrency market, which is about choosing the best action (in the case of crypto Bitcoin) safer and put your money there, follow up and wait at least 8 to 10 years, but since the Bitcoin market has a lot of volatility, instead of waiting that long, it is enough to wait for 3 to 4 years , the same volatility makes investors add profits.

Many Wall Street investors are coming in, as are many corporations, and this has produced the rise of Bitcoin.

When making an investment, it is recommended not to extract it before making the share or currency go up what has been planned for taking profits. Patience in investing is the key to everything, you cannot invest if you want to make a profit in a short time, many times it can happen, but it is important to wait. One of the keywords that currently describes an investor is Hodl.

In my opinion, the characteristic difference is origin, circumstance, condition.  Ordinary people have a psychology of risk-averse, like stability, and think of perfectionism.  Business people and investors are open-minded, coherent, daring, able to withstand pressure, understand risks are opportunities, be optimistic and accept challenges.

Right, I agree with this. and that is what distinguishes investor from ordinary people.
Investor prefer their money to function to generate other profit, while ordinary people prefer to keep or use their money for things that are more secure. In the crypto space, investor are much more willing to take risk and ordinary people prefer to withdraw all their money to make on the real thing.

I think the most ideal way to differentiate the mentality of an investor and a common man is that the investor makes money work for him while a common man works for money. Moreover, an investor aims to have a passive income rather than active income in which a common man's main goal. Being wise on how you will spend your money on something profitable is what really makes an investor different from a common man.For me, financial literacy goals and objectives are necessary things that we should learn to have progressed in life and I believe that even a common man can be an investor as long as he/she has learned this.

You are actually right, there aren't a lot of people who points this kind of thing just to further their agenda. If people were given the same opportunity, they will be able to do the same thing and the only difference that is going to decide their fate is what their mindset is.

An investor has a lot to do, a lot to read and be very well prepared in terms of knowledge and money before their investment. There is a lot of pressure on them because they have used their money to bet in a position. They may lose their money. I think investors will have a simple lifestyle because they have focused their money on investing.

You don't necessarily have to lose your money when you are investing, since you are knowledgeable when it comes to investing then you should know that there are investment venues that are safe and not to actively manage. The difference between a common man and an investor is the knowledge and opportunity in my opinion because anyone can be an investor, and I think that this two is essential for a common man to become an investor.

An easily recognizable difference between the two is the courage to make decision. You probably won't argue that investor are brave enough to invest in bitcoin and cryptocurrency in the million dollar when the price dump in the middle of 2020 and their decision come from the courage and knowledge they have and their belief in potential. But you probably won't find an ordinary person without knowledge brave enough to invest thousand dollar by the time the price dump in 2020. They even say they want to secure their fund in fiat or stablecoin.

Everyone here has the same mission in crypto assets, especially in trading and investment No one want to lose because everyone want to get a profit from the capital they have. Brave, knowledge, experience and capital are the determining factor for the success of completing the mission.

Every body is different and I believe you can only talk for yourself as such kind of person who would take out a loan for those kind of things. In some cases we have read about people which we would call the investors and are even advised not to borrow or take loan for crypto investment so you can see what I am trying to get at. How ever you Invest is everyone's personal decision, I don't mind taking loans for investment even in crypto or Bitcoin to be precise but some would advise not to because of the saying, Do not invest what you cannot afford to loss cos I believe no One wants to loss a borrowed money or loan or even their own personal money. People that have come to understand the Future and benefits of Bitcoin will go to the length to get funds for investment but for those that don't know or understand crypto or bitcoin yet, will invest those funds on other things.   

It sounds like you are describing a gambler instead of an investor, you don't have to be pressured when you are investing because there are ways to invest without the hitch of actively managing it, a smart investor makes money work for him and not the other way around. Common people that doesn't know a thing about investing can become an investor too, you just have to give them the opportunity.

An investor's mindset: "money must make more money"
A common man's mindset: "money exist to be spent on different things"

I think the difference between an investor and an ordinary person lies in how to manage finances. The investor will not buy what he wants, but he will buy what he needs. investors will also save their wealth in a form whose value continues to increase. like gold, house, bitcoin, etc.

Meanwhile, the common man buys what he wants, even though he knows that what he buys will continue to fall in value. ordinary people do not think about what will happen in the future. he only follows his satisfaction on this day.

I agree with you. Two different people could have access to the same Loan facility but it is the different mindset or thinking about investment that will eventually separate the two investors and how they come out with their investment. Even in the Business minded world, investors still thinks differently with regards to a particulate type of investment, why are we now having more and more Big corporations now wanting to invest in Bitcoin? Because now their thinking or mindset towards Bitcoin has changed from previous view. 

An investor is ever mindful of there spending. Knowing fully well that, every penny that goes out of their wallet is capable of bringing them some profit. An investor is blessed with the mindset that is able to differentiate between needs from wants and is able to apportion the funds for each as such.

A common man is exactly the opposite of all these virtues. They just survive, spending without any proper considerations of what profit the money could yield them in time in a potential investment plan. This is why they tend to be stagnated in there economic growth.

None. A common man should be an investor and in fact many common man in the US have 401K (pension plans) which makes them investors, many people (like myself, a classic example of a very common dude) have some stocks or funds. The message here should be that the common guy should get at least a minimum of financial education. There is not "an investor type" and a "common guy", there are simply different degrees of knowledge and investing ability.

One of the main problems I have seem is that many common people have associated the idea of investing with gambling, even they use these as synonyms. This is the confusion we should address.

A common man or layman can be an investor and an investor can be a common man. One thing I am sure of is that investors are risk lovers and are business-oriented. They sleep, talk, eat businesses and invention.

Maybe you're right! The thoughts of an investor are different from ordinary people. They never borrow money to use like buying a house, buying a car ... where they will make money to invest and do business. They will turn the currency that arises profits. And ordinary people only want to meet the needs of daily life. Investors always find ways to enrich them boldly borrow money and boldly invest big. And ordinary people are always afraid to lose losses.

Sometimes it shouldnt really be blamed of directly to the person because there are situations or reality in life that even you do like to invest but there are no
ways for you to do so because of lacking some capacity or capability which would be a big hindrance for you to make such move.So you do end up on
focusing on daily living instead and missing out those opportunities but actually there are ways for you to do so its just depend on how you do put up some
effort for that to happen.

Common man consideres his house to be his asset.
It is an open secret that all our belongings can divided into assets and liabilities. Investors tend to create as many assets as they can, while common people don't even think about it and buy whatever they want and take the loans for it. We should understand that assets are some things which bring you the money and liabilities are the things that demand some money from you. I will draw an example here. You want to buy a car for yourself, it means that you are buying liability: the car itself will not bring you any money and vica versa it will take your money for gas, repair and so on. However, if you want to do some taxi driving and you need a car for this, then you are buying an asset which will bring you the money when people will pay you for the taxi trips.
There is a common misconception which implies that building/buying your own house can be regarded as investment (buying/creating an asset), however it is not true. The house itself will never bring you the money, unless you build it in order to sell at the higher price. In this case it can be regarded as investment.
So, my point is that the investors think in the paradigm of assets/liabilities which help them manage thei budgets much more efficiently than common people without any investing or economic background.

Investors will get richer and richer, while the average person may work long hours to build up to become rich, investors will have the courage to take risks, they will analyze the market trend, and the average person will invest based on their intuition or be influenced by the media.

In my opinion, it's different in that investors have a high risk of getting rich, they use all their brains to think about how to invest and generate profits in the most optimal way. , these are things that normal people don't do.

Please lets understand that an Investor is someone looks for every good opportunity to invest either his meagre or huge earnings inoder to make profi.... While that of a Common Man is someone who who sees life as work, eat and be satisfy without building any assets or investing.
From my own perspective thats my point of view.

The biggest difference between investors and ordinary people is that investors’ funds may be dozens or even hundreds of times that of ordinary people. Although the purpose of investors and ordinary people is the same, investing in cryptocurrency to obtain income, there are still differences between the two. There is a big gap in mentality. When investors' currency shrinks ten times, they can work and live normally, but when ordinary people's currency depreciates, ordinary people will sell the currency in their hands. When ordinary people make 30% or 50% of profits, they can't wait to be sold off, but investors will continue to hold them unmoved.

The difference between investors and ordinary people is in the way of thinking, Lifestyle, will in life. For example, if there is some capital, the average person will save it by keeping it in a safe place like depositing it in a bank with the intention of using it in the future. Investors will put that capital into investments like stocks, bitcoin in the hope that their finances will grow.

I respect your opinion but I think you are wrong in some ways. Investors also take loans, they also take home loan, car loan but their deference is not about that. the difference is their mindset, think about future and not only how to survive in daily basis, on how they will use what they loan in a more effective ways. Example, two guy have a loan for a car, and one person use that car for business while the other one is use only for leisure. And both of them have to pay the debts but since the investor use it for business, he has support on paying that while the have nothing.
An investor is business minded and always think on how he can gain profit.

The difference that is clearly visible is when ordinary people will be satisfied with the salary they receive from their income from work etc. they don't think about something until the future they think about working, earning money after that the money is spent and this cycle keeps repeating itself in contrast to people who have the intention to become investors
even if they work, they will set aside their money to invest for the long term and tend to think in a more measurable direction about the results to be achieved in the future.
sometimes things like this seem trivial but if you look in the mirror for future success, of course this will be a significant differentiator

businesses also having flows so this is even that debt and profit are indeed part of having business.

if you are not ready for this then best to stay away.

I think their main differrence is their mindset. An investor always thinks of profit that will come and go and circulate to have more profit and also a business minded while the other is not.
When it comes to loan, an investor applied for loan to invest on business that can help him paying the loan as well as to generate profit while a common man applied for loan for something that the money will not comeback or his money will only go on paying that loan.

That's very true, most ordinary people borrow money for things they don't really need such as smartphones, motor vehicles and even fashion

now I have started wanting to learn to manage debt and borrow money from banks only for important things such as investing in gold, crypto or property
investors are those who are smart in managing money and also their desire and greed

An investor is always ready do put more in an investment to make to make larger profits at the end of the day. Investors are persons who search for opportunity to put their money inside and Wait for time for it to yield double or triple of their capital.

A common man is not interested in putting their money in an investment because they are not always ready to take risks. A risk taker is what constitute an investor while a common could lavish their money on mere things that could never give a return.

The difference between investors and ordinary people:
Investors,  want to find a way to make their money double their capital, investors usually prioritize investment rather than spending their money on useless things.
While ordinary people are people who put their desires forward without thinking about tomorrow and old age

The risk factor is the same for a common man and big investors, for example if you find an interesting new project and you want to leap into investing in them, then if you are having decent amount of money you negotiate with the project during the seed fund days and you get a major share of the tokens or coins and the risk factor is the same if a common man with his funds investing in a new project. Before investing you do your work to know more about the project and if it is a success the seed investors earns a much bigger profit because the risk percentage he took was much great. It can happen in the opposite direction as well if the project fails to deliver the promise.

On the other hand if you are investing in establish projects or coins then the risk factor is similar for both and if you are well aware of the market then you will have an idea on when to enter and when to exit.

Investors wanting to make their money work for them, well, let's say that we want our money work for us.  :P

The ordinary folks, they lack of knowledge about increasing and multiplying their wealth and that's why they ending up getting their wants. They lack of enthusiasm as they also lack about financial knowledge.

Ordinary people in a normal capitalist economy are investors.   Everyone who had a pension is an investor by requirement because one day you will not be able to work like you can now so its a requirement you save for that day.  The most common investment would be to purchase your own house outright, if its as part of a family and naturally you end up not requiring as many rooms when old then you have a large capital investment to use in retirement.  This process is still a type of investment, I dont really like this idea of 'ordinary people' vs these special investment superhumans.

   Capitalism says we are all part of economy in a vital way and common people are the owners of the means of production and capital, modern generations lost this truth imo

Nice quote , i love that fact because i also did that sometime in the past.

actually that was how OP explained the difference if you will only read the topic and understand how he tries to differentiate both given person.


I am a Common man and also investors.

i separate my investment from my luxury.

meaning half of my funds go for holding , while half goes for my desires .

Even though it is easy to join investors army, because entrance fee is almost nothing, but being an investor requires special state of mind. Without it, an investor will quickly turn into buyer-seller. Ability to predict, cold mind, ability to live under preassure and huge luck is what differs investor from everyone.

Investors have a positive mindset about venturing into new aspects of handling the business and finances; trends come and go, they have to be adaptable to change. Millionaires that I know have multiple streams of income, and crypto is one of them. They really benefited by being updated on trends. They also have their own strategy in handling it all without them getting overworked.

You shouldn't generalize it using common man like you and me every one invests at their own level making every rich as they can afford to be. It's only extravagant spenders that goes about taking loans for personal use but in critical cases it's well understood but as long as life isn't astake there is no point taking loan for anything outside investment

It all depends on the rank and status of the investor. If a small investor is not advised and it can even be said that loans for investment are categorically contraindicated, then large businesses and, accordingly, large investors, on the contrary, can conduct their activities at the expense of borrowed funds. This is the specifics of any large business and the banking system in developed economies, when borrowed funds are used for the development and expansion of their business. Another question is in what form and for what projects these loans are made. However, as for borrowing for personal needs, the question is also controversial, if a person has a stable large income and has the opportunity to borrow at low interest rates to buy a luxury house in the tens of millions of dollars, then why not do this leaving their savings intact.

In theory, I don't want to deny anyone's point of view, because we are all equal and have similar or different outlooks on life. Thinking about common sense to create what society and many people think is the right formula or path for them, and there is no difference in each of us. If you feel it is different from you will try to find and give reasons to prove it, as I said above that there will be people who will agree with your point of view and vice versa. So everything I see here is only relative, with a field that needs many factors and not necessary factors for success, simply if you are satisfied with one or more like-minded people.

I don't use loans to buy bitcoin or invest in cryptocurrencies. I can use half of my salary to invest in cryptocurrencies.
Suppose I use loan money to invest. If my investment fails, I will not be able to repay my loan money. I don't have the courage to take this risk. I still have to live.
However, there are also many people who are experienced in investment who will take loans to invest in cryptocurrencies, and they may have huge returns. Not only can they repay their loans, they may also have freedom of wealth.
There are very few such people.

It's important to have passion.

It all started with passion, interest and a deep love for investing. Then study and try hard. Passion is like a never-ending energy, helping you to enter the stock market even more vigorously. Without a strong passion for investing in stocks, you will only stop in the middle of the road. Your investment goals may not be achieved.

Yes, an investor who is experienced doesn't invest in any risky sector before invest her capital he thinks more and more after confirming everything then he will invest and always save her capital anyhow. but a common man without investigation everything he will invest then he will lose her capital this the major difference both.

This is a very significant difference in my opinion . People who like to invest I believe they have dreams for the future. They expect money to work for them in their old age, not for them to work for money. They save today for a better life tomorrow. And not everyone is able to have these principles and it takes hard work to make their dreams come true.

It's not like everyone don't have it, some are just unlucky to not know about it in the first place. Some don't have the opportunity to even invest at all because the money is so tight and it's only enough for them to survive the month if lucky. You're right about the differences but the playing field isn't equal.

For me, I will say a common man is a risk averse while an investor is a risk taker. An investor seize every opportunity to create wealth and amass wealth for himself/herself while a common man just want to eat, sleep and just be okay.

Investors said to have the right temperament, ability to value assets and a keen understanding of risk than a common man who only focuses on his job/or daily business and make plans based on the wages or consistent income.

What ordinary investors care about is average. They will not simply wait in the downturn when investing. They will continue to trade, which requires a lot of time and expertise to support, and experienced investors believe that success is necessary when making mistakes. Ordinary people don't like to make mistakes and don't want to suffer.

A common man who doesn't have investment knowledge and surly spends their entire life with private jobs. At the same time, speculators do put resources so they can consume their time by sitting at home.
In reality, an average person is consistently hesitant to lose their cash; they would prefer not to face challenges all he needs to save a monthly salary.
There's minimal distinction between the average person and a speculator. If you have embraced the measure of cash, you can contribute it

Investors always have their target of profit that should be made when trading or investing in everything, while a common man might just decide to trade at his comfort zone, and can stops the investment at anytime if he/she feels the profit is OK for him.

I think another difference is the ability for an investor to take strategic decisions that help in the running of companies and projects.
This strategies are majorly growth and value oriented.

The thinking between the two is definitely different:
1. about the common man's mind: a stable job, having enough expenses to take care of the family, not taking risks, averse to risk, preferring a peaceful life every day.
2. about the idea of an investor: like to take risks, like to invest, like to earn money, make money, never stop with the amount they want it to be x10, x100. Unstable jobs where there are profits is where they are.

Being an average Joe on the street is by no means contradictory with being an investor. Nowadays investing is much easier in most countries than it used to be in the past. Many apps and platforms allow all short of strategies, even rounding up on expenses and sending the change to your investment accounts and the like. A bit crazy if you ask me.

For me, the real difference between the dude in the street and what you could call a proper investor is the ability to have a solid reason and method behind the investment decissions.

But there are situations on where a common man wouldnt really have any choice because even if they do have that investment thing in mind but they dont have money to make use or spend on then its still useless.

Somehow there are common man  which do find out ways on making their lives way more better than on the current one and this is the time they do deal up with risk but of course with less investment or money to

make use but if its done well then they could possibly able to attain or achieve their goals that they had set out and everything will really vary on someones action.

Ordinary people tend to want to live a comfortable life by being grateful for what they have and their soul thinks that being an employee with a definite income is a success. but for investors, they can control their imagination to continue to grow and dare to take risks so that later the money can work for them

There are those people that are already satified with the employment life and that's what they're confident about. But there are also those employees that don't want to get out with the type of life that they've used to lived in.

And that's why they're exploring the investing lifestyle and that's the only thing that they have to have for them to get out of the race.

It's very common to have several income sources for a person to become better common man.

Ordinary people focus only on their present situation while investors are aiming for financial freedom in the future. As for me, investors have a goal to gain more profit out of their savings but normal people get satisfied with what they have. We must think of our future rather than enjoy what we have right now.

Investing your money in anticipation of the most common attractive return on an investor’s investment is not a new habit that comes after learning about the world’s stocks. People have invested before the formation of the company and a partner and investor can deposit his money and an investor puts in his money a person who expects a profit. They will focus on different companies to increase their investment with loans ordinary people look forward to their daily lives they do not come to make more profit.

I think that currently the difference between a common man and an investor is that the Investor has enough money to cover all their basic needs including some emergencies, and also has the time and stomach enough to wait as long as necessary to see profit.

The common man for the most part is counting his money and is allocating his money to many things, needs and obligations, as the common man who invests is not so much money, he has a not very long time because he needs to see profit quickly to continue In the business, the common man does not have the necessary money to often solve emergencies, it is for this reason that many times the common man extracts his money from an investment even if it is in losses.

In some measure I agree with your saying. Common man who are save the money and an investor who are invest the money.

Investors are different types, risk- takers and non-risk takers that's depends upon theirs investment choice.
 While common man are maybe unaware about investment or they follow traditional methods. So they feel all other investment routes are complicated or rocket science or something.

Every common man can invest. Before that they should make their risk profile. Then let's invest in correct risk free asset classes.

"Make money work for you let money make money for you "

Investors are much more patient. They can give up something today and invest money to have a better life in the future while the majority of people who stand aside from the market can't save their money at all and spend them as soon as get. So investors has absolutely another mindset. They can multiply money while others can only earn and spend straightaway.

I agree with you; I believe this is the type of person who is willing to put everything he has on the line for what he believes is worth investing for. I am not an investor, but I do hold a coin if I earn something, and I am also afraid of taking risks, which I believe is why I am not likely to be successful, but I am hopeful that I will be able to overcome this fear because in order to be successful, we must be willing to take risks and see the results that we desire. I would also say that the average person works from 8 a.m. to 5 p.m. every day just to pay their bills and nothing more.

Investor can start huge business while common man has to build everything from nothing which takes time and this time can be so much that it can take your whole life while investor with huge amount of money can achieve such thing in some years but at the same time there is one big difference, a common man always achieves more because he has nothing and wants everything, it's a big stimulus for some people. Just see, most successful people were poor people in past.
Also once common man risks, he may be left without house and investor has much stronger back.