Risk: Moderate

Starting a T-shirt business can be risky for someone starting from scratch, especially if they can't afford to lose money. Beginners in this field could potentially lose money on inventory, equipment, marketing, and website costs. It's common for beginners to spend money upfront on these expenses and struggle to make sales, resulting in financial losses. While there is potential to make a profit in the long run, the initial investment may not pay off right away, leading to possible financial setbacks. Online discussions often mention the challenges of failing to generate enough sales to cover startup costs. I'd rate the risk a 3 out of 5 because there is a moderate risk of experiencing financial losses in the early stages of starting a T-shirt business.