I just turned 30 this year and have done quite a bit in this time . bought a house , been married , unmarried , been to school , studied assumed large debt . I can offer some advice on investments . I make about 250300 k year from my job but let me tell you making money from work is not what you want and 2 % on a CD in this economy is ludicrous . Your job should be your passion your investments should sustain you . Financial freedom is very important and attainable if your play your cards right . You could put your money in a REIT and make an easy 35 % doing nothing . My passion has been in real estate and it has always served me well . From buying my first house when i was 25 renting out rooms to pay for it while in school and my first rentals it has always been a great source of cash flow . Now with a group partners our company is acquiring more and more properties even we are offering investors and partners fixed returns of 6 % 8 %. So be smart look into opportunities and know what your getting . Check out our site for some ideas , www . myhomeontario . com , feel free to contact if you want to learn about more opportunities we are always looking for new partners .