First off, do not take my advice, as financial advice.
If you are willing to play in the market you must be willing to lose 50% of what you have invested.
That is a real harsh reality.
If any of the money you have will be needed in the next 5 to 7yrs, it should not be in the open market.
When others are selling, it is the perfect time to buy.
Presently, my portfolio is 65% invested in the market and 35% in fluid money waiting on buying opportunities.
Always have a 6 month cash reserve before investing.
All the financial stuff aside, spend some money on improving and enjoying your daily life, within measure.
Rich, or poor, everyman takes the same amount of money into his grave.