Assuming you have $15,000 to invest in 2023, the best way to invest the money would be in a diversified mix of stocks, bonds and real estate. This will give you the best chance of seeing a positive return on your investment while minimizing your risk. You can either invest in individual stocks and bonds yourself, or you can use an online broker to do it for you. You can also choose a robo-advisor that will charge little to no fees. If you choose to go the DIY route, there are a number of online resources (including Investopedia) that can help you get started. If you prefer to let a professional handle it (like Edward Jones, Merrill Lynch, etc) most brokerage firms will offer a variety of investment options, including stocks, bonds, and even mutual funds.