Congratulations on setting goals and following through. Time is a critical component of any investment portfolio, the longer your money is working for you the better. I suggest you start tracking various mutual funds, perhaps Index and Dividend funds for DCA [dollar cost averaging]. Attend any of the free/low cost financial planning seminars in your community. Your local library will have subscriptions for several Guru type Financial Newsletters which often focus on upcoming money issues which helps you look after your money
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