If you’re just starting out with investing, it’s important to consider your comfort level with risk. Low-risk products, such as traditional savings accounts or high-yield savings accounts, may offer a lower return on your investment but often come with some form of guarantee, while higher-risk products, such as individual stocks or riskier investment firms, may have the potential for higher returns but also come with a higher risk of losing money in the short or long term. As a beginner, it may be a good idea to start with low-risk investments and gradually increase your risk tolerance as you become more comfortable with the investment process. It’s always a good idea to work with a financial advisor to determine the best investment strategy for you based on your income level, cash flow, and other factors.