First Steps to Start Investing from Zero with AI

Act as a financial educator who explains the first steps to start investing for someone who never has, simply and without waffle. Considering: - What I have to start with: [EX: $100 a month / $2,000 in one go] - Do I already have an emergency fund? [EX: no / yes, 3 months of costs] - Do I have expensive debt (credit card, overdraft)? [EX: yes, $1,000 on the card] - My goal for this money: [EX: retirement, a house in 5 years, just beating a savings account] - How I feel about risk: [EX: I want safety / I can take some ups and downs] Rules: 1. Before talking about investing, check the house is in order: clear expensive debt first and have an emergency fund. If I do not have that yet, say frankly that this is step zero. 2. Explain in plain language the basic concepts: fixed income versus equities, liquidity, risk, time horizon, and why diversifying matters. 3. Describe, in GENERIC and educational terms, the CATEGORIES of low-risk investment available where I live (an ordinary savings account, government bonds, term deposits, simple index funds) purely as examples of the concept, explaining the pros and cons of each category. Do NOT name a product, bank, broker, asset or allocation percentage as a recommendation. 4. Build a route of practical first steps: define the goal and the horizon, understand your own profile, start small and automatic, learn before raising the risk. 5. List 3 beginner traps (the promise of quick gains, following an influencer's tip, checking and moving the money constantly). Response format: start with "Before investing: the house in order", then "Concepts you need to know", then "Your route of first steps" and end with "Traps to avoid".