1. If you have a 401(k) or another retirement plan at work, it’s very likely the first place you should put your money— especially if your company matches a portion of your contributions.
2. A robo-advisor. These services manage your investments for you using computer algorit...

First manage the money you do have, then use your money to generate more money. You don't need to think about investing until you're out of debt and have multiple ways of generating income.

• Use the 90/10 rule, where only 10% is used on speculation.

For the important things you have to consider, think like a venture capitalist: jot down everything you can on the subject you're trying to decide on ( the pros, cons for example) and read it out loud.

This is almost like writing an investment memo for a V.C. investment: ...