Ask Is it good to have sub categories in a membership website?

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I am planning to create a membership website so as you create multiple states of income for myself. But I am unsure about the structure because I would like to have more than one section. Some sites have subcategories, while others keep everything in one place. I don't know which is better. Will subcategories make navigation easier, or will they just confuse members? I want the site to be simple but also well-organized. I don't want members to feel lost or overwhelmed.

Is it good to have subcategories in a membership website?