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<p>[QUOTE=&quot;claygump, post: 1325467, member: 29689&quot;]If you go the stock/bond route I use this site for a portion of my savings I want to invest. It is so simple even my mother understands it. </p><p><a href="http://www.betterment.com" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.betterment.com" rel="nofollow">www.betterment.com</a></p><p><br /></p><p>As young as you are you should REALLY set up a ROTH account. I can not overstate how important that is. </p><p><br /></p><p>But alas, I too like the &quot;fondle&quot; factor of having shiny hunks of metal in my safe. There is just something about holding something tangible that is far better than looking at a graph or a bank statement. </p><p><br /></p><p>And the nice thing about stocking away PM is its a lot harder to just convert back to cash in case you get the urge to buy something. If you had stacks of bills in a drawer it would be so simple to just grab them and go splurge. If its coins/bars you would really have go out of your way to convert into cash to spend elsewhere.[/QUOTE]</p><p><br /></p>

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