Risk: Moderate

I’d rate the risk a 2 out of 5 because someone starting as a life coach from scratch could lose money on certification courses, marketing, and branding without guaranteed clients. They might also lose time and energy building a client base and confidence if they struggle to attract clients. Many beginners spend money on training and advertising but fail to see a return on investment. Online discussions often highlight the challenges of establishing credibility and the competitive nature of the field, leading to potential financial and emotional setbacks.