Comment by guitarlimeo

In what world are you living in that you can't afford an instrument to play? You can get used acoustic guitars practically for free secondhand. You can practice singing for free, youtube has lots of great tutorials.

Any kind of musical ability is a skill that differentiates you from the guy who doesn't have any. It widens your perspective, it allows you to talk about music more deeply (for example theory) with others, it creates joy to your life and you will gain bigger respect for the skills of other musicians.

This all doesn't have anything to do with money and it doesn't have to. Not 100% of your time is needed to make money at all times.