When you create your own challenge in live chess, you can enter the Min/Max ratings of the person you want to play against.
Or click on the Challenges tab, then look underneath it to where it says "Seek Filter". Click on the seek filter and enter the Min/Max rating in there and save. This will then only show the challenges of those within the ratings you're looking to play.

Im a new player well to this site at least and ive never played against these people that are higher than me what do i do?