What are you doing right now?

[02SE]

@AutoMechanic, I would suggest talking to a certified financial planner.

 

[CleanSump]

Just watched a news clip on one of the 24/7 "news" channels and got a chuckle. The headline under the talking heads reads "European Soccer Fans Love American Food". Every soccer fan interviewed was a native of Asia.

 

[ZeeOSix]

Also different goals too. I like to tend to divide up my accounts so I plan for one to be like emergency savings, fun money, saving for a house etc that way I can keep them separate.

Most banks will allow sub-accounts for different money pools someone wants to create. First step is actually saving money, or the accounts will have zero balance.