I need help responding to my peers. The information below is from my peers. Investors can face several constraints that affect how they manage their money. For example, they might need some of their investments to be easily accessible, like having money in a savings account for emergencies. This need can prevent them from locking their money into investments that can't be quickly turned into cash without losing value, such as real estate. Another challenge is how comfortable they are with risk. A young person might be okay investing in something risky like new technology companies because they have time to recover if things go wrong. But someone closer to retirement might prefer safer options, like government bonds, to avoid losing their savings. Lastly, taxes can influence where people put their money. Someone who pays a lot of taxes might choose investments that don't get taxed as heavily, like certain types of bonds, to keep more of their earnings