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<p>[QUOTE=&quot;ChurnDog, post: 927770, member: 24404&quot;]If you want a decent rate on your savings check out SmartyPig.&nbsp; It is an online bank that is currently paying 2.15% APR.&nbsp; While this is horrible it&#039;s better than most rates brick and mortar banks are offering.&nbsp; The &quot;catch&quot; is you have to have a savings goal.&nbsp; The good news is you never actually have to hit this goal, or you can make your goal really low so you hit it in one deposit.&nbsp; All your funds are FDIC insured so you don&#039;t have to worry about that.&nbsp; I have a couple of accounts with them and have been pretty happy.</p><p><br /></p><p><br /></p><p>If decide to go the IRA route, like others I would recommend the ROTH.&nbsp; Just be aware you can only put in $5000 a year max (unless your taxable income is&nbsp; less, in which case your taxable income is your limit).&nbsp; I know it is hard to think about retirement before having a full time job,&nbsp; but if you automate the process and make it a &quot;bill&quot; you will be amazed how much you can save.&nbsp; Time is on your side, and compounding interest is the most powerful force in the universe.[/QUOTE]</p><p><br /></p>

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