Credit cards are unsafe
Paying with credit gives you extra protection in terms of fraud and allows you to borrow money in times of hardship or emergencies. In terms of travelling credit cards are the safest option. Most hotels only accept credit cards for liability and insurance reasons. Also if you lose your wallet you will most likely never see the cash inside again.
However, if you have a credit card you can just cancel the card and get a new one and your money will be protected. With credit cards there are rewards for those who spend more. This can be a good incentive as long as you pay back the money in time to avoid high interest rates. The use of a credit card can improve your FICO score which will allow you to borrow more money.
You need to be rich to invest
This is not true. You become rich by investing. Even if you start by investing in one or two shares you could experience capital gains and those shares will grow.
Any investment is a good one, small or large. Start investing in companies early on to broaden your financial portfolio. If you’re not sure which companies to invest in you should invest in companies to do with your interests and passions.