Quote Originally Posted by Halfwit
i try, i have jsut started a job that is "promising" and better than any job ive ever had, i only have 3% going ot 401k, but company matches up to 6% so next time im able i think ill put it up to 6%.

not too interesteed in "investing, cd's,bonds ect" right now, mainly focusing on stacking a nice amount of money into a few savings accounts and checking. i have certain numbers i want to reach by certain ages.
Stacking? If you plan on saving money.. might aswell invest wisely.

short term CD's are good. I rather have my money earning better interest % then sitting in a dead beat low interest savings account that almost ALL big names banks have. tradional savings accounts are a joke , unless you look into CD's, Bonds, Money Market.

If you dont want to lock your money with CD's and want access to your money in case of an emergency..

Look into online banking.. HSBC, ING, CITI, they all privide great rates and easy to use.

I have an HSBC and ING account.. Im more active with my HSBC due to them paying 5.05 % right now and ING I think is at 4.75.. WAY more then local banks and big name banks around here.
And you can move your $$ when ever, with no penalty.

Just keep in your checking account what you pay bills with. Do not save money using your checking accounts. Your wasting your time.. even with the ones that pay interest. There interest rates are SUPER lame... and not worth time. Make your money work for you.

www.bankrate.com > great resources for finding good interest rates.