Personally, I started my first BTC trade without using my personal funds. Yes, it so happened that I have been working through the Internet for a long time and was able to earn some capital, as they say, without investing personal funds. Of course it was not easy and not so fast, but it worked out and I know for sure that I can take risks as I use the funds that I earned. As for newbies, I would recommend doing the same as me, as it would swallow them to gain experience and understand the value of money. On the other hand, you can go the other way, for example, use personal funds, but then a beginner needs to understand that he needs to use funds that he does not mind losing, because his first steps in trading BTC will also be difficult and he will have to gain experience before he will start earning, not losing.