Set clear financial goals
Build an emergency fund
Pay off high-interest debt
Learn basic investing concepts
Choose between self-directed investing and a financial advisor
Open a brokerage account
Fund the account
Decide your risk tolerance
Select stocks or funds to buy
Diversify your investments
Start with small amounts
Buy and hold for the long term
Reinvest dividends if desired
Review your portfolio regularly
Avoid emotional trading
Keep fees and taxes in mind