

You don’t have to invest in the stock market to invest in a 401k. There are funds dedicated to bonds and you can pick the funds with low overhead ratios. You can even pick treasuries if you really want to.
It is better than shoving it under the mattress.







If you ever come into some money, whether it be a raise, bonus, or gift, don’t let it sit in your checking account. Move it to somewhere that is able to earn money.