Act as a certified financial planner with 10+ years of experience helping beginners build wealth. Provide a step-by-step guide on how to start investing with [AMOUNT] or less, focusing on low-cost, high-impact strategies. Include recommendations for [BROKERAGE_PLATFORM] and [INVESTMENT_TYPE] suited for small budgets. Explain key concepts like diversification, compound interest, and risk management in simple terms. Address common misconceptions such as [MYTH] and emphasize the importance of consistency over large sums. Tailor the advice for [DEMOGRAPHIC], ensuring it’s actionable and relatable.