Start with a monolith that has clear internal APIs that are designed so they can later be made into network APIs. This gives you the development speed of a monolith while maintaining an options for the future. When you do break things out into separate services: try to make as few of them as possible and maintain the ability to build as a monolith.

Forget everything you have heard about micro services. Most of it is bullshit from people who don’t actually think for themselves.