Risk: High

Starting a brick-and-mortar business from scratch can be a high-risk venture for someone who can't afford to lose money. There is a significant possibility of losing money due to various factors such as high initial setup costs, ongoing operational expenses, and fierce competition. Beginners often underestimate the financial commitment and may end up spending money without generating sufficient revenue. Startup costs for a brick-and-mortar business can range from hundreds to thousands of dollars, including rent, inventory, utilities, and marketing. It's not uncommon to see people online sharing stories of failed brick-and-mortar businesses and financial losses. Overall, the risk of losing money, time, and confidence is substantial for someone starting a brick-and-mortar business from scratch.