I used 10% for investing (which is low for me but slightly higher than the avg. of 7–9% from the stock market). The extra 2% is from cashback on the cards. To answer your question about me specifically: the options market (and I do far better than 10%). Here is my story about some of the basics: https://medium.com/world-travelers-blog/3-ways-to-massively-amplify-your-passive-income-from-dividend-stock-portfolios-6c474c5f354d?sk=c070cdcebf2e40f2ceb6da2c43a8505d