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We've got a Roth IRA via Betterment.com, it makes it convenient to invest and forget it, and we're in it for the long haul so we'll be letting the money sit there until the cows go home, and not worry about some short term drops..
I only have one credit card that I rarely use -and only when i have the cash on hand to pay for it as soon as it hits the account. I could easily go without it, but choose not to. Instead of using a credit card for emergencies we have a nice 8 month emergency fund saved that allows us the freedom of not having to use...more
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