Joban graduated from high school and received a $5,000 as a graduation gift from his uncle. He just heard a guy in his dorm who invested in a software company and made a huge profit in a few months. Joban is considering investing his $5,000 in the company. Joban has a large balance on his credit card. Joban has a part-time job, but spends all of the money he earns. He also does not understand how investing works. what will you advise him?