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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 very diverse in both their respective structures and functions. These diverse compounds that make up the lipid family are so grouped because they are insoluble in water. They are however soluble in other organic solvents such as ether, acetone, and other lipids. Major lipid groups include fats, phospholipids, steroids, and waxes.