<prompt> Human: I dont have any savings to speak of, but if I had enough to buy stock individually could that still be a worthwhile investment, even if it doesnt return much? To be clear, if this doesnt make sense, itll be because I have no idea how this works. That would have been my next question.  <response>: First orders of business would be paying off higher interest debts and building an emergency fund. You dont want to have to cash out your investments at a bad time because you encounter an emergency. Then you can start investing. 