I don't have any experience in investing but wanted to get started. What should I first invest in?

Hey there! It's great to hear you're ready to dip your toes into the world of investing. Here's a simple breakdown to help you get started:

1. Build an Emergency Fund: Before you begin investing, it's crucial to have a safety net. Aim to save 3-6 months' worth of living expenses in a high-yield savings account. The BearSavings Goals Tracker can help you with this.

2. Understand Your Risk Tolerance: Are you a play-it-safe type or a high-roller? Knowing your risk tolerance can guide you towards the right investments.

3. Start with Low-Risk Investments: Consider starting with mutual funds or index funds. They're like a sampler platter of various stocks and bonds, reducing the risk and giving you a taste of the market.

4. Educate Yourself: The more you learn, the more confident you'll feel. Read books, follow finance blogs, or use tools like BearSavings Daily Challenges to improve your financial literacy.

Remember, investing isn't about getting rich quick, it's about growing your wealth over time. So don't be discouraged if you don't see massive returns right away. Like a good sourdough starter, it takes time to rise.

You're just at the beginning of your investing journey. Stay patient, keep learning, and you'll be on your way to a financially stable future. Keep going, you've got this!