reply to this Many people would like to start investing but do not know where to start. Investing can seem overwhelming if you do not have a lot of money. "The first step in investing is to know where to put your money. The second is to know when to make your moves" (Billingsley et al., 2017). With careful planning and discipline, you can start. Begin by setting clear financial goals. Identify your goals, whether saving for retirement, buying a home, or building an emergency fund. These goals will help you decide how to invest and prioritize your savings. Track your income and expenses by creating a budget. Knowing where your money is going allows you to find areas where you can save more. Using apps or spreadsheets can be a helpful way to maintain organization and discipline in your spending habits. Set up automatic transfers to a savings or investment account to ensure you consistently put aside part of your income for future investments. This approach makes saving without thinking about it easier and builds up your investment funds over time. My bank offers a savings round-up. If I spend $45.60, the remaining .40 cents to make the following