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While fat and oil lipids have three fatty acid chains joined to a glycerol molecule, phospholipids have two chains joined to the glycerol with a phosphate group, which you might have guessed from the first part of this lipid type's name. Phospholipids are the main constituent of cell membranes.
Lipids are molecules defined by several characteristics, the chief of which is their avoidance of water -- referred to as their nonpolar nature. Lipids are then divided into two categories. One category contains molecules that are long chains of carbon atoms accompanied by hydrogen atoms, such as fatty acids. The other category is molecules in which carbon atoms are attached as multiple ring structures that are fused together, such as cholesterol.