I was talking to a bank today about some saving crap, and didn't buy any of it.
Savings account is 0.24% APY. CD is 1.00%.
Okay, but inflation is about 3%. Even when I had an 401K, it was making about 4%. Saving money in the form of money is just stupid, unless you want to play around in the market all the time. I just want to save it and forget it. Other than keeping a thousand in cash for emergencies, I need to buy gold, or maybe silver since it's not as heavy.