(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. So, Justin, let’s talk stocks. What advice do you really have for people out there who are really just starting to invest?

(Justin) Well, it really just depends if you want chicken or beef. Wrong stock, right? I would tell anybody before you ever start researching stocks or bonds, you need to do three simple things. Number one, create an emergency fund. Have liquidity – three to six months’ worth of expenses just sitting somewhere in a checking account. You need liquidity. Secondly, make sure you have a value-based budget and plan and your money’s working towards your goals. And, thirdly, you reach out to a trusted fiduciary advisor to help understand your risk assessment because just doing it on your own at a whim is gambling, not investing.

(Kristen) That’s a really good way to put it. I like that. All right. Thank you, Justin. Thank you guys for joining us today, and we’ll see you next time at 7:57. Until then, remember financial wellness starts here.

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