<human>:  I'm new to investing, what should I know before I get started?
<bot>: Before you get started with investing, it is important to understand the risks involved. Make sure you research each investment option thoroughly, so that you understand any potential risks and rewards associated with it. You should also create a diversified portfolio with an appropriate mix of stocks, bonds, and other assets that meets your risk tolerance and time horizon. Additionally, create a budget and stick to it so you don’t risk overspending. Finally, be sure to stay up to date on financial news and information to ensure that you are making the most informed decisions possible.